BlastPoint's Credit Union Scorecard
SECURED ADVANTAGE
Charter #12877 · SC
SECURED ADVANTAGE has 1 strength but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + AMR Growth Rate: Top 1.6% in tier
Key Concerns
Areas that may need attention
- - ROA 0.26% below tier average
- - Efficiency ratio 8.05% above tier (higher cost structure)
- - Member decline: -30.9% YoY
- - Member Growth Rate: Bottom 0.9% in tier
- - Loan Growth Rate: Bottom 5.3% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (SC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
4,492
-30.9% YoY-28.5% QoQ
|
+1.8K |
2,676
+1.6% YoY
|
37,268
+3.6% YoY
|
33,913
+5.7% YoY
|
83% |
| Assets |
$57.8M
-4.0% YoY+1.0% QoQ
|
+$27.6M |
$30.2M
+1.3% YoY
|
$534.3M
+6.5% YoY
|
$578.3M
+9.0% YoY
|
82% |
| Loans |
$24.2M
-21.9% YoY-6.0% QoQ
|
+$8.9M |
$15.3M
-2.0% YoY
|
$369.7M
+7.8% YoY
|
$402.4M
+8.7% YoY
|
77% |
| Deposits |
$50.4M
-4.8% YoY+1.2% QoQ
|
+$24.6M |
$25.8M
+0.7% YoY
|
$450.9M
+6.0% YoY
|
$494.3M
+9.1% YoY
|
82% |
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 |
-0.1%
-67.4% YoY-81.5% QoQ
|
-0.3% |
0.1%
-77.6% YoY
|
0.7%
-43.3% YoY
|
0.4%
-39.2% YoY
|
19% |
| NIM |
4.0%
-2.7% YoY-7.5% QoQ
|
+0.0% |
4.0%
+4.0% YoY
|
4.1%
-0.5% YoY
|
3.8%
+4.1% YoY
|
57% |
| Efficiency Ratio |
98.7%
+8.4% YoY+12.3% QoQ
|
+8.1% |
90.6%
+6.5% YoY
|
81.4%
+7.0% YoY
|
84.6%
+2.8% YoY
|
83% |
| Delinquency Rate |
1.1%
-16.3% YoY+12.3% QoQ
|
-0.4 |
1.5%
+3.8% YoY
|
0.8%
+19.1% YoY
|
1.2%
+3.4% YoY
|
66% |
| Loan To Share |
48.1%
-17.9% YoY-7.2% QoQ
|
-10.4% |
58.5%
-3.0% YoY
|
69.5%
-0.5% YoY
|
65.6%
-1.4% YoY
|
33% |
| AMR |
$16,601
+28.6% YoY+38.2% QoQ
|
+$2K |
$14,884
-1.7% YoY
|
$16,971
+2.3% YoY
|
$19,920
+1.6% YoY
|
64% |
| CD Concentration |
8.3%
+8.9% YoY+10.9% QoQ
|
-15.9% | 24.3% | 18.0% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 5.9% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)