BlastPoint's Credit Union Scorecard
FAMILY TRUST
Charter #11554 · SC
FAMILY TRUST has 4 strengths but faces 5 concerns
How does the industry compare?
What's your peer group doing?
How does SC stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 26.3% in tier
- + Organic Growth Leader: Top 28.2% in tier
- + ROA 0.30% above tier average
- + Net Interest Margin 0.25% above tier average
Key Concerns
Areas that may need attention
- - Margin Compression: Bottom 25.4% in tier
- - Liquidity Strain: Bottom 43.2% in tier
- - Credit Risk Growth: Bottom 66.4% in tier
- - Credit Quality Pressure: Bottom 87.9% in tier
- - Indirect Auto Dependency: Bottom 92.3% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (SC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
58,863
+4.1% YoY+1.1% QoQ
|
+6.8K |
52,084
-1.6% YoY
|
37,100
+2.2% YoY
|
33,374
+5.7% YoY
|
66% |
| Assets |
$774.8M
+4.2% YoY+1.1% QoQ
|
$-89.1M |
$863.9M
+0.5% YoY
|
$523.8M
+6.7% YoY
|
$561.6M
+9.7% YoY
|
Bottom 12.8% in tier |
| Loans |
$621.2M
+8.8% YoY+4.7% QoQ
|
+$15.4M |
$605.8M
+1.4% YoY
|
$367.9M
+7.3% YoY
|
$397.0M
+8.8% YoY
|
47% |
| Deposits |
$656.8M
+3.4% YoY+0.9% QoQ
|
$-80.5M |
$737.3M
+0.1% YoY
|
$439.0M
+5.8% YoY
|
$477.3M
+9.7% YoY
|
Bottom 12.8% in tier |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
1.0%
-22.5% YoY-6.5% QoQ
|
+0.3% |
0.7%
+39.1% YoY
|
1.0%
+5.1% YoY
|
0.7%
+15.9% YoY
|
74% |
| NIM |
3.6%
+1.2% YoY-1.7% QoQ
|
+0.2% |
3.4%
+8.7% YoY
|
4.2%
+0.5% YoY
|
3.8%
+5.1% YoY
|
66% |
| Efficiency Ratio |
70.9%
+5.8% YoY+2.0% QoQ
|
-3.4% |
74.3%
-3.6% YoY
|
76.9%
-0.6% YoY
|
79.7%
-3.3% YoY
|
32% |
| Delinquency Rate |
0.8%
+5.1% YoY+25.9% QoQ
|
-0.1 |
0.9%
+3.8% YoY
|
1.0%
+13.3% YoY
|
1.3%
-2.1% YoY
|
59% |
| Loan To Share |
94.6%
+5.2% YoY+3.8% QoQ
|
+12.0% |
82.6%
+1.1% YoY
|
71.5%
-0.9% YoY
|
67.4%
-1.7% YoY
|
80% |
| AMR |
$21,712
+1.8% YoY+1.5% QoQ
|
$-7K |
$28,873
+2.7% YoY
|
$16,782
+2.9% YoY
|
$19,687
+2.0% YoY
|
27% |
| CD Concentration |
28.6%
+0.0% YoY-3.4% QoQ
|
+4.1% | 24.4% | 17.8% | 19.8% | 65% |
| Indirect Auto % |
19.5%
-8.9% YoY-4.8% QoQ
|
+5.7% | 13.8% | 5.9% | 7.8% | 70% |
Signature Analysis
Strengths (2)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Concerns (5)
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25% (25th percentile or lower)