BlastPoint's Credit Union Scorecard

CAROLINA TRUST

Charter #12361 · SC

1069 CUs in 100M-500M nationally 10 in SC

CAROLINA TRUST has 6 strengths but faces 7 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 58.0% in tier
+ ROA 0.27% above tier average
+ Net Interest Margin 1.08% above tier average
+ Total Members: Top 1.5% in tier
+ Total Loans: Top 5.4% in tier
+ Total Deposits: Top 8.0% in tier

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 21.5% in tier
- Credit Quality Pressure: Bottom 37.4% in tier
- Indirect Auto Dependency: Bottom 57.8% in tier
- Membership Headwinds: Bottom 61.7% in tier
- Stagnation Risk: Bottom 74.1% in tier
- Delinquency rate 0.28% above tier average
- Member decline: -2.0% YoY

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (SC)	National Avg	Tier Percentile
Members	40,191 -2.0% YoY-1.5% QoQ	+24.8K	15,437 -2.9% YoY	37,100 +2.2% YoY	33,374 +5.7% YoY	Top 1.6% in tier
Assets	$406.7M +3.3% YoY-0.5% QoQ	+$174.9M	$231.9M +1.3% YoY	$523.8M +6.7% YoY	$561.6M +9.7% YoY	Top 10.1% in tier
Loans	$307.6M +9.1% YoY+1.0% QoQ	+$160.3M	$147.3M -0.1% YoY	$367.9M +7.3% YoY	$397.0M +8.8% YoY	Top 5.5% in tier
Deposits	$361.8M +1.8% YoY-1.2% QoQ	+$161.0M	$200.8M +0.8% YoY	$439.0M +5.8% YoY	$477.3M +9.7% YoY	Top 8.1% 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	1.0% +58.7% YoY+10.5% QoQ	+0.3%	0.8% +18.2% YoY	1.0% +5.1% YoY	0.7% +15.9% YoY	70%
NIM	4.7% +14.0% YoY+2.4% QoQ	+1.1%	3.6% +6.7% YoY	4.2% +0.5% YoY	3.8% +5.1% YoY	Top 6.5% in tier
Efficiency Ratio	72.8% -6.0% YoY-1.9% QoQ	-4.2%	77.0% -3.1% YoY	76.9% -0.6% YoY	79.7% -3.3% YoY	32%
Delinquency Rate	1.2% +31.5% YoY+44.2% QoQ	+0.3	0.9% +4.2% YoY	1.0% +13.3% YoY	1.3% -2.1% YoY	78%
Loan To Share	85.0% +7.2% YoY+2.2% QoQ	+12.8%	72.2% -1.1% YoY	71.5% -0.9% YoY	67.4% -1.7% YoY	75%
AMR	$16,656 +7.2% YoY+1.4% QoQ	$-8K	$24,676 +3.4% YoY	$16,782 +2.9% YoY	$19,687 +2.0% YoY	16%
CD Concentration	10.3% -2.7% YoY-1.2% QoQ	-14.1%	24.4%	17.8%	19.8%	50%
Indirect Auto %	25.5% -0.2% YoY-0.4% QoQ	+11.8%	13.8%	5.9%	7.8%	50%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#298 of 513 • Top 58.0% in tier

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

Why This Signature

AMR Growth (YoY): 7.21%

(Tier: 4.17%, National: 4.00%)

better than tier avg

513 of 1069 Mid-Small & Community CUs have this signature | 662 nationally

↑ Growing +180 CUs YoY | New qualifier

Concerns (5)

Credit Risk Growth

risk

#99 of 456 • Bottom 21.5% in tier

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

Why This Signature

Loan Growth (YoY): 9.13%

(Tier: 4.11%, National: 111.96%)

but better than tier avg

Delinquency Change (YoY): 0.28% points

(Tier: 0.03% points, National: 0.06% points)

worse than tier avg

456 of 1069 Mid-Small & Community CUs have this signature | 665 nationally

→ No prior data (456 CUs now) | New qualifier

Credit Quality Pressure

risk

#264 of 705 • Bottom 37.4% in tier

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

Why This Signature

Delinquency Change (YoY): 0.28% points

(Tier: 0.03% points, National: 0.06% points)

worse than tier avg

705 of 1069 Mid-Small & Community CUs have this signature | 969 nationally

↓ Shrinking -150 CUs YoY | Rank improving

Indirect Auto Dependency

risk

#293 of 506 • Bottom 57.8% in tier

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

Why This Signature

Asset Growth (YoY): 3.26%

(Tier: 5.37%, National: 3.54%)

worse than tier avg

Indirect Auto %: 25.54%

(Tier: 13.79%, National: 7.78%)

worse than tier avg

Member Growth (YoY): -2.04%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

506 of 1069 Mid-Small & Community CUs have this signature | 745 nationally

↓ Shrinking -35 CUs YoY | Rank improving

Membership Headwinds

decline

#342 of 554 • Bottom 61.7% in tier

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

Why This Signature

Member Growth (YoY): -2.04%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally

→ No prior data (554 CUs now) | New qualifier

Stagnation Risk

risk

#411 of 554 • Bottom 74.1% 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): -2.04%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

Loan Growth (YoY): 9.13%

(Tier: 4.11%, National: 111.96%)

but better than tier avg

Delinquency Rate: 1.18%

(Tier: 0.89%, National: 1.28%)

worse than tier avg

554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally

→ No prior data (554 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 1069 peers in tier

Top Strengths (9 metrics)

Total Members

engagement

Value: 40,191

Peer Median: -

#17 of 1069 Top 1.5% in 100M-500M tier

Total Loans

balance_sheet

Value: $307.63M

Peer Median: -

#59 of 1069 Top 5.4% in 100M-500M tier

Net Interest Margin (NIM)

profitability

Value: 4.69%

Peer Median: -

#69 of 1069 Top 6.4% in 100M-500M tier

Total Deposits

balance_sheet

Value: $361.79M

Peer Median: -

#87 of 1069 Top 8.0% in 100M-500M tier

108

Total Assets

balance_sheet

Value: $406.73M

Peer Median: -

#108 of 1069 Top 10.0% in 100M-500M tier

118

Share Certificate Concentration (%)

balance_sheet

Value: 10.30%

Peer Median: -

#118 of 1069 Top 10.9% in 100M-500M tier

209

Loan Growth Rate

growth

Value: 9.13%

Peer Median: -

#209 of 1069 Top 19.5% in 100M-500M tier

233

AMR Growth Rate

growth

Value: 7.21%

Peer Median: -

#233 of 1069 Top 21.7% in 100M-500M tier

237

Members Per Employee (MPE)

engagement

Value: 386.452

Peer Median: -

#237 of 1069 Top 22.1% in 100M-500M tier

Top Weaknesses (3 metrics)

903

Average Member Relationship (AMR)

engagement

Value: $16,656

Peer Median: -

#903 of 1069 Bottom 15.6% in 100M-500M tier

851

Indirect Auto Concentration (%)

balance_sheet

Value: 25.54%

Peer Median: -

#851 of 1069 Bottom 20.5% in 100M-500M tier

831

Total Delinquency Rate (60+ days)

risk

Value: 1.18%

Peer Median: -

#831 of 1069 Bottom 22.4% in 100M-500M tier