BlastPoint's Credit Union Scorecard
SECURED ADVANTAGE
Charter #12877 · SC
SECURED ADVANTAGE has 3 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.36% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Total Members: Top 7.8% in tier
Key Concerns
Areas that may need attention
- - ROA 1.22% below tier average
- - Efficiency ratio 5.31% above tier (higher cost structure)
- - Member decline: -6.7% YoY
- - Loan Growth Rate: Bottom 5.2% in tier
- - Net Charge-Off Rate: Bottom 6.0% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (SC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
6,285
-6.7% YoY-2.0% QoQ
|
+3.7K |
2,615
-1.9% YoY
|
37,100
+2.2% YoY
|
33,374
+5.7% YoY
|
Top 7.9% in tier |
| Assets |
$57.2M
-3.4% YoY-1.5% QoQ
|
+$27.1M |
$30.1M
+2.1% YoY
|
$523.8M
+6.7% YoY
|
$561.6M
+9.7% YoY
|
81% |
| Loans |
$25.8M
-20.8% YoY-6.5% QoQ
|
+$10.0M |
$15.8M
-1.3% YoY
|
$367.9M
+7.3% YoY
|
$397.0M
+8.8% YoY
|
78% |
| Deposits |
$49.8M
-3.6% YoY-1.3% QoQ
|
+$24.1M |
$25.7M
+1.4% YoY
|
$439.0M
+5.8% YoY
|
$477.3M
+9.7% YoY
|
82% |
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| ROA |
-0.6%
+118.3% YoY+1372.3% QoQ
|
-1.2% |
0.6%
+10.8% YoY
|
1.0%
+5.1% YoY
|
0.7%
+15.9% YoY
|
Bottom 8.0% in tier |
| NIM |
4.3%
+5.5% YoY+0.2% QoQ
|
+0.4% |
4.0%
+4.0% YoY
|
4.2%
+0.5% YoY
|
3.8%
+5.1% YoY
|
67% |
| Efficiency Ratio |
87.9%
-8.3% YoY+3.5% QoQ
|
+5.3% |
82.6%
-2.3% YoY
|
76.9%
-0.6% YoY
|
79.7%
-3.3% YoY
|
70% |
| Delinquency Rate |
0.9%
-33.7% YoY-51.1% QoQ
|
-0.6 |
1.6%
-3.1% YoY
|
1.0%
+13.3% YoY
|
1.3%
-2.1% YoY
|
58% |
| Loan To Share |
51.8%
-17.9% YoY-5.2% QoQ
|
-8.8% |
60.6%
-3.1% YoY
|
71.5%
-0.9% YoY
|
67.4%
-1.7% YoY
|
36% |
| AMR |
$12,016
-3.8% YoY-1.2% QoQ
|
$-3K |
$14,783
-1.4% YoY
|
$16,782
+2.9% YoY
|
$19,687
+2.0% YoY
|
39% |
| CD Concentration |
7.5%
+4.5% YoY+9.5% QoQ
|
-16.9% | 24.4% | 17.8% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 5.9% | 7.8% | 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)