BlastPoint's Credit Union Scorecard

CAROLINA TRUST

Charter #12361 · SC

100M-500M

1024 CUs in 100M-500M nationally 9 in SC

CAROLINA TRUST has 7 strengths but faces 5 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 0.06% above tier average
+ Net Interest Margin 1.04% above tier average
+ Total Members: Top 1.3% in tier
+ Total Loans: Top 3.6% in tier
+ Total Deposits: Top 6.1% in tier
+ Total Assets: Top 8.3% 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
- Indirect Auto Dependency: Bottom 50.0% in tier
- Membership Headwinds: Bottom 50.0% in tier
- Stagnation Risk: Bottom 50.0% in tier

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

One of 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 9 that size in South Carolina.
Shares and deposits +2.0% year over year ($376M in shares and deposits).
Membership: 41,114 members, -0.9% vs a year ago.
Delinquency rate 0.83%.
Return on assets 0.93%.
Efficiency ratio 75.23% vs a 76.73% peer average.
Loan-to-share ratio 87.16% vs a 71.54% peer average.

Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (SC)	National Avg	Tier Percentile
Members	41,114 -0.9% YoY+1.8% QoQ	+25.9K	15,168 -2.6% YoY	38,222 +5.6% YoY	34,678 +6.6% YoY	Top 1.4% in tier
Assets	$422.0M +2.8% YoY+0.6% QoQ	+$190.0M	$232.0M +0.7% YoY	$548.9M +9.6% YoY	$593.1M +10.2% YoY	Top 8.4% in tier
Loans	$327.6M +11.4% YoY+5.1% QoQ	+$181.4M	$146.3M +0.2% YoY	$385.7M +10.8% YoY	$418.6M +10.1% YoY	Top 3.7% in tier
Deposits	$375.9M +2.0% YoY+0.3% QoQ	+$175.2M	$200.7M +0.2% YoY	$462.6M +9.2% YoY	$504.8M +10.3% YoY	Top 6.2% 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% +3.0% YoY-0.5% QoQ	+0.1%	0.9% +12.5% YoY	0.9% -19.6% YoY	1.2% +121.4% YoY	60%
NIM	4.7% +5.9% YoY+0.6% QoQ	+1.0%	3.7% +4.5% YoY	4.2% -1.3% YoY	3.8% +2.3% YoY	Top 7.2% in tier
Efficiency Ratio	75.2% +1.8% YoY+0.5% QoQ	-1.5%	76.7% -0.8% YoY	79.7% +5.8% YoY	83.0% -5.3% YoY	42%
Delinquency Rate	0.8% +59.6% YoY+8.9% QoQ	-0.1	0.9% +6.6% YoY	1.1% +14.2% YoY	1.3% +2.6% YoY	58%
Loan To Share	87.2% +9.2% YoY+4.7% QoQ	+15.6%	71.5% -0.3% YoY	70.2% -0.9% YoY	66.4% -1.4% YoY	80%
AMR	$17,111 +7.1% YoY+0.7% QoQ	$-8K	$25,107 +3.2% YoY	$17,221 +4.1% YoY	$20,028 -0.9% YoY	17%
CD Concentration	10.7% +4.1% YoY+3.3% QoQ	-13.9%	24.6%	18.3%	20.0%	50%
Indirect Auto %	26.3% +2.5% YoY+1.5% QoQ	+12.7%	13.6%	6.0%	7.7%	50%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#280 of 483 • 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): 7.13%

(Tier: 3.97%, National: 35.20%)

better than tier avg

483 of 1024 Mid-Small & Community CUs have this signature | 635 nationally

↑ Growing +52 CUs YoY | New qualifier

Concerns (5)

Credit Risk Growth

risk

#57 of 472 • 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): 11.36%

(Tier: 4.13%, National: 78.26%)

but better than tier avg

Delinquency Change (YoY): 0.31% points

(Tier: 0.04% points, National: 0.08% points)

worse than tier avg

472 of 1024 Mid-Small & Community CUs have this signature | 688 nationally

↑ Growing +32 CUs YoY | New qualifier

Credit Quality Pressure

risk

#245 of 693 • 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): 0.31% points

(Tier: 0.04% points, National: 0.08% points)

worse than tier avg

693 of 1024 Mid-Small & Community CUs have this signature | 962 nationally

↓ Shrinking -83 CUs YoY | New qualifier

Indirect Auto Dependency

risk

#291 of 476 • 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): 2.78%

(Tier: 4.62%, National: 3.30%)

worse than tier avg

Indirect Auto %: 26.30%

(Tier: 13.63%, National: 7.71%)

worse than tier avg

Member Growth (YoY): -0.93%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

476 of 1024 Mid-Small & Community CUs have this signature | 714 nationally

↓ Shrinking -57 CUs YoY | Rank improving

Membership Headwinds

decline

#470 of 549 • 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): -0.93%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

549 of 1024 Mid-Small & Community CUs have this signature | 653 nationally

↓ Shrinking -15 CUs YoY | New qualifier

Stagnation Risk

risk

#506 of 549 • 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): -0.93%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

Loan Growth (YoY): 11.36%

(Tier: 4.13%, National: 78.26%)

but better than tier avg

Delinquency Rate: 0.83%

(Tier: 0.87%, National: 1.26%)

but better than tier avg

549 of 1024 Mid-Small & Community CUs have this signature | 653 nationally

↓ Shrinking -15 CUs YoY | 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 1024 peers in tier

Top Strengths (10 metrics)

Total Members

engagement

Value: 41,114

Peer Median: 13,128

#14 of 1024 Top 1.3% in 100M-500M tier

Total Loans

balance_sheet

Value: $327.62M

Peer Median: $124.04M

#38 of 1024 Top 3.6% in 100M-500M tier

Total Deposits

balance_sheet

Value: $375.88M

Peer Median: $170.77M

#63 of 1024 Top 6.1% in 100M-500M tier

Net Interest Margin (NIM)

profitability

Value: 4.73%

Peer Median: 3.67%

#74 of 1024 Top 7.1% in 100M-500M tier

Total Assets

balance_sheet

Value: $422.02M

Peer Median: $196.38M

#86 of 1024 Top 8.3% in 100M-500M tier

118

Share Certificate Concentration (%)

balance_sheet

Value: 10.69%

Peer Median: 23.39%

#118 of 1024 Top 11.4% in 100M-500M tier

134

Loan Growth Rate

growth

Value: 11.36%

Peer Median: 3.02%

#134 of 1024 Top 13.0% in 100M-500M tier

204

Loan-to-Share Ratio

balance_sheet

Value: 87.16%

Peer Median: 73.07%

#204 of 1024 Top 19.8% in 100M-500M tier

216

AMR Growth Rate

growth

Value: 7.13%

Peer Median: 3.53%

#216 of 1024 Top 21.0% in 100M-500M tier

241

Members Per Employee (MPE)

engagement

Value: 384.243

Peer Median: 310.924

#241 of 1024 Top 23.4% in 100M-500M tier

Top Weaknesses (3 metrics)

854

Average Member Relationship (AMR)

engagement

Value: $17,111

Peer Median: $23,006

#854 of 1024 Bottom 16.7% in 100M-500M tier

827

Net Charge-Off Rate

risk

Value: 0.70%

Peer Median: 0.34%

#827 of 1024 Bottom 19.3% in 100M-500M tier

827

Indirect Auto Concentration (%)

balance_sheet

Value: 26.30%

Peer Median: 6.15%

#827 of 1024 Bottom 19.3% in 100M-500M tier