BlastPoint's Credit Union Scorecard

CAROLINA TRUST

Charter #12361 · SC

100M-500M

1070 CUs in 100M-500M nationally 9 in SC

CAROLINA TRUST has 7 strengths but faces 6 concerns

National Analysis

How does the industry compare?

SC Analysis

How does SC stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Wallet Share Momentum: Top 50.0% in tier
+ ROA 0.20% above tier average
+ Net Interest Margin 1.07% above tier average
+ Total Members: Top 1.2% in tier
+ Total Loans: Top 4.6% in tier
+ Total Deposits: Top 6.4% in tier
+ Total Assets: Top 8.5% in tier

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- Membership Headwinds: Bottom 50.0% in tier
- Indirect Auto Dependency: Bottom 50.0% in tier
- Stagnation Risk: Bottom 50.0% in tier
- Member decline: -2.0% YoY

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (SC)	National Avg	Tier Percentile
Members	40,399 -2.0% YoY+0.5% QoQ	+25.3K	15,145 -2.5% YoY	37,268 +3.6% YoY	33,913 +5.7% YoY	Top 1.3% in tier
Assets	$419.6M +1.8% YoY+3.2% QoQ	+$187.9M	$231.7M +0.8% YoY	$534.3M +6.5% YoY	$578.3M +9.0% YoY	Top 8.6% in tier
Loans	$311.8M +9.1% YoY+1.4% QoQ	+$167.7M	$144.1M +0.2% YoY	$369.7M +7.8% YoY	$402.4M +8.7% YoY	Top 4.7% in tier
Deposits	$374.6M +0.5% YoY+3.5% QoQ	+$173.4M	$201.1M +0.4% YoY	$450.9M +6.0% YoY	$494.3M +9.1% YoY	Top 6.5% in tier

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.9% +18.3% YoY-9.9% QoQ	+0.2%	0.7% +5.1% YoY	0.7% -43.3% YoY	0.4% -39.2% YoY	66%
NIM	4.7% +5.9% YoY+0.3% QoQ	+1.1%	3.6% +4.6% YoY	4.1% -0.5% YoY	3.8% +4.1% YoY	Top 6.4% in tier
Efficiency Ratio	74.9% +0.9% YoY+2.9% QoQ	-3.2%	78.0% -1.7% YoY	81.4% +7.0% YoY	84.6% +2.8% YoY	37%
Delinquency Rate	0.8% +32.7% YoY-35.2% QoQ	+0.0	0.8% +7.1% YoY	0.8% +19.1% YoY	1.2% +3.4% YoY	62%
Loan To Share	83.3% +8.6% YoY-2.1% QoQ	+12.8%	70.4% -0.4% YoY	69.5% -0.5% YoY	65.6% -1.4% YoY	76%
AMR	$16,991 +6.4% YoY+2.0% QoQ	$-8K	$24,918 +2.7% YoY	$16,971 +2.3% YoY	$19,920 +1.6% YoY	17%
CD Concentration	10.3% +3.5% YoY+0.5% QoQ	-13.9%	24.3%	18.0%	19.8%	50%
Indirect Auto %	25.9% +0.3% YoY+1.5% QoQ	+12.1%	13.8%	5.9%	7.7%	50%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#339 of 491 • Top 50.0% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 6.39%

(Tier: 3.74%, National: 6.36%)

better than tier avg

491 of 1070 Mid-Small & Community CUs have this signature | 637 nationally

↑ Growing +107 CUs YoY | New qualifier

Concerns (5)

Credit Risk Growth

risk

#135 of 476 • Bottom 50.0% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 9.12%

(Tier: 4.14%, National: 1.74%)

but better than tier avg

Delinquency Change (YoY): 0.19% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

476 of 1070 Mid-Small & Community CUs have this signature | 710 nationally

→ No prior data (476 CUs now) | New qualifier

Credit Quality Pressure

risk

#348 of 727 • Bottom 50.0% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.19% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

727 of 1070 Mid-Small & Community CUs have this signature | 1013 nationally

↓ Shrinking -60 CUs YoY | New qualifier

Membership Headwinds

decline

#351 of 570 • Bottom 50.0% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -2.01%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

Indirect Auto Dependency

risk

#340 of 504 • Bottom 50.0% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): 1.83%

(Tier: 4.68%, National: 1663.40%)

worse than tier avg

Indirect Auto %: 25.92%

(Tier: 13.80%, National: 7.73%)

worse than tier avg

Member Growth (YoY): -2.01%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

504 of 1070 Mid-Small & Community CUs have this signature | 745 nationally

↓ Shrinking -29 CUs YoY | Rank worsening

Stagnation Risk

risk

#444 of 570 • Bottom 50.0% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -2.01%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): 9.12%

(Tier: 4.14%, National: 1.74%)

but better than tier avg

Delinquency Rate: 0.76%

(Tier: 0.76%, National: 1.19%)

worse than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

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)

Compare against:

Comparing against 1070 peers in tier

Top Strengths (9 metrics)

Total Members

engagement

Value: 40,399

Peer Median: 13,200

#14 of 1070 Top 1.2% in 100M-500M tier

Total Loans

balance_sheet

Value: $311.84M

Peer Median: $121.41M

#50 of 1070 Top 4.6% in 100M-500M tier

Net Interest Margin (NIM)

profitability

Value: 4.70%

Peer Median: 3.62%

#69 of 1070 Top 6.4% in 100M-500M tier

Total Deposits

balance_sheet

Value: $374.57M

Peer Median: $171.29M

#70 of 1070 Top 6.4% in 100M-500M tier

Total Assets

balance_sheet

Value: $419.59M

Peer Median: $196.57M

#92 of 1070 Top 8.5% in 100M-500M tier

119

Share Certificate Concentration (%)

balance_sheet

Value: 10.35%

Peer Median: 23.10%

#119 of 1070 Top 11.0% in 100M-500M tier

216

Loan Growth Rate

growth

Value: 9.12%

Peer Median: 2.93%

#216 of 1070 Top 20.1% in 100M-500M tier

258

Loan-to-Share Ratio

balance_sheet

Value: 83.25%

Peer Median: 71.88%

#258 of 1070 Top 24.0% in 100M-500M tier

262

AMR Growth Rate

growth

Value: 6.39%

Peer Median: 3.46%

#262 of 1070 Top 24.4% in 100M-500M tier

Top Weaknesses (4 metrics)

936

Net Charge-Off Rate

risk

Value: 0.96%

Peer Median: 0.35%

#936 of 1070 Bottom 12.6% in 100M-500M tier

889

Average Member Relationship (AMR)

engagement

Value: $16,991

Peer Median: $22,931

#889 of 1070 Bottom 17.0% in 100M-500M tier

853

Indirect Auto Concentration (%)

balance_sheet

Value: 25.92%

Peer Median: 6.61%

#853 of 1070 Bottom 20.4% in 100M-500M tier

814

Deposit Growth Rate

growth

Value: 0.52%

Peer Median: 3.30%

#814 of 1070 Bottom 24.0% in 100M-500M tier