BlastPoint's Credit Union Scorecard

CAROLINA TRUST

Charter #12361 · SC

1077 CUs in 100M-500M nationally 10 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 94.8% in tier
+ ROA 0.15% above tier average
+ Net Interest Margin 0.99% above tier average
+ Total Members: Top 1.3% in tier
+ Total Loans: Top 5.5% in tier
+ Total Deposits: Top 7.5% in tier
+ Total Assets: Top 9.7% in tier

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 19.6% in tier
- Indirect Auto Dependency: Bottom 20.1% in tier
- Credit Quality Pressure: Bottom 24.3% in tier
- Stagnation Risk: Bottom 28.8% in tier
- Membership Headwinds: Bottom 32.5% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (SC)	National Avg	Tier Percentile
Members	40,816 -0.6% YoY-1.6% QoQ	+25.2K	15,628 -3.4% YoY	37,124 +2.2% YoY	33,089 +6.1% YoY	Top 1.4% in tier
Assets	$408.6M +3.0% YoY-0.5% QoQ	+$177.3M	$231.3M -0.0% YoY	$514.3M +4.6% YoY	$547.7M +7.8% YoY	Top 9.8% in tier
Loans	$304.5M +8.3% YoY+3.5% QoQ	+$156.7M	$147.8M -1.4% YoY	$362.8M +7.0% YoY	$388.7M +8.6% YoY	Top 5.6% in tier
Deposits	$366.1M +1.7% YoY-0.7% QoQ	+$165.8M	$200.3M -0.0% YoY	$433.3M +6.0% YoY	$464.6M +9.3% YoY	Top 7.6% 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% +54.1% YoY+3.9% QoQ	+0.1%	0.8% +15.5% YoY	1.2% +18.8% YoY	0.7% +273.4% YoY	62%
NIM	4.6% +14.4% YoY+2.5% QoQ	+1.0%	3.6% +6.9% YoY	4.3% +2.6% YoY	3.7% +5.0% YoY	Top 7.7% in tier
Efficiency Ratio	74.2% -5.4% YoY+0.4% QoQ	-3.1%	77.3% -3.0% YoY	75.1% -1.9% YoY	79.1% -3.3% YoY	39%
Delinquency Rate	0.8% +6.7% YoY+57.0% QoQ	-0.0	0.9% +7.6% YoY	0.9% +10.3% YoY	1.2% -0.9% YoY	61%
Loan To Share	83.2% +6.4% YoY+4.2% QoQ	+10.5%	72.7% -1.5% YoY	71.3% -1.2% YoY	68.0% -1.7% YoY	71%
AMR	$16,428 +5.2% YoY+2.9% QoQ	$-8K	$24,363 +2.9% YoY	$16,641 +2.9% YoY	$19,418 +1.3% YoY	16%
CD Concentration	10.4% -11.3% YoY+1.5% QoQ	-14.0%	24.4% +4.2% YoY	17.4% +3.6% YoY	19.6% +6.2% YoY	50%
Indirect Auto %	25.6% -2.9% YoY-0.1% QoQ	+11.7%	14.0% -5.7% YoY	5.9% -5.3% YoY	7.9% -2.9% YoY	50%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#456 of 481 • Top 94.8% in tier

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

Why This Signature

AMR Growth (YoY): 5.24%

(Tier: 3.68%, National: 4.19%)

better than tier avg

481 of 1077 Community CUs have this signature | 620 nationally

↑ Growing +201 CUs YoY | New qualifier

Concerns (5)

Credit Risk Growth

risk

#295 of 446 • Bottom 19.6% in tier

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

Why This Signature

Loan Growth (YoY): 8.29%

(Tier: 3.65%, National: 36.38%)

but better than tier avg

Delinquency Change (YoY): 0.05% points

(Tier: 0.04% points, National: 0.07% points)

worse than tier avg

446 of 1077 Community CUs have this signature | 646 nationally

↓ Shrinking -77 CUs YoY | New qualifier

Indirect Auto Dependency

risk

#324 of 525 • Bottom 20.1% in tier

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

Why This Signature

Asset Growth (YoY): 2.98%

(Tier: 4.61%, National: 3.04%)

worse than tier avg

Indirect Auto %: 25.64%

(Tier: 13.97%, National: 7.90%)

worse than tier avg

Member Growth (YoY): -0.60%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

525 of 1077 Community CUs have this signature | 768 nationally

↓ Shrinking -18 CUs YoY

Credit Quality Pressure

risk

#602 of 736 • Bottom 24.3% in tier

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

Why This Signature

Delinquency Change (YoY): 0.05% points

(Tier: 0.04% points, National: 0.07% points)

worse than tier avg

736 of 1077 Community CUs have this signature | 1002 nationally

↓ Shrinking -199 CUs YoY | New qualifier

Stagnation Risk

risk

#475 of 550 • Bottom 28.8% in tier

Membership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -0.60%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

Loan Growth (YoY): 8.29%

(Tier: 3.65%, National: 36.38%)

but better than tier avg

Delinquency Rate: 0.82%

(Tier: 0.85%, National: 1.23%)

but better than tier avg

550 of 1077 Community CUs have this signature | 648 nationally

→ Stable (555→550 CUs) -5 CUs YoY | New qualifier

Membership Headwinds

decline

#536 of 550 • Bottom 32.5% in tier

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

Why This Signature

Member Growth (YoY): -0.60%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

550 of 1077 Community CUs have this signature | 648 nationally

→ Stable (555→550 CUs) -5 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 1077 peers in tier

Top Strengths (8 metrics)

Total Members

engagement

Value: 40,816

Peer Avg: -

#15 of 1077 Top 1.3% in 100M-500M tier

Total Loans

balance_sheet

Value: $304.47M

Peer Avg: -

#60 of 1077 Top 5.5% in 100M-500M tier

Total Deposits

balance_sheet

Value: $366.06M

Peer Avg: -

#82 of 1077 Top 7.5% in 100M-500M tier

Net Interest Margin (NIM)

profitability

Value: 4.58%

Peer Avg: -

#83 of 1077 Top 7.6% in 100M-500M tier

106

Total Assets

balance_sheet

Value: $408.62M

Peer Avg: -

#106 of 1077 Top 9.7% in 100M-500M tier

123

Share Certificate Concentration (%)

balance_sheet

Value: 10.42%

Peer Avg: -

#123 of 1077 Top 11.3% in 100M-500M tier

189

Members Per Employee (MPE)

engagement

Value: 408.160

Peer Avg: -

#189 of 1077 Top 17.5% in 100M-500M tier

232

Loan Growth Rate

growth

Value: 8.29%

Peer Avg: -

#232 of 1077 Top 21.4% in 100M-500M tier

Top Weaknesses (3 metrics)

908

Average Member Relationship (AMR)

engagement

Value: $16,428

Peer Avg: -

#908 of 1077 Bottom 15.8% in 100M-500M tier

854

Indirect Auto Concentration (%)

balance_sheet

Value: 25.64%

Peer Avg: -

#854 of 1077 Bottom 20.8% in 100M-500M tier

829

Net Worth Ratio

risk

Value: 9.70%

Peer Avg: -

#829 of 1077 Bottom 23.1% in 100M-500M tier