BlastPoint's Credit Union Scorecard
SECURED ADVANTAGE
Charter #12877 · SC
SECURED ADVANTAGE has 4 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.37% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Total Members: Top 7.6% in tier
- + Members Per Employee (MPE): Top 8.4% in tier
Key Concerns
Areas that may need attention
- - ROA 0.72% below tier average
- - Efficiency ratio 3.51% above tier (higher cost structure)
- - Delinquency rate 0.42% above tier average
- - Member decline: -5.9% YoY
- - Loan Growth Rate: Bottom 6.7% in tier
- - Net Charge-Off Rate: Bottom 7.0% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (SC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
6,413
-5.9% YoY+0.6% QoQ
|
+3.8K |
2,625
-2.2% YoY
|
37,124
+2.2% YoY
|
33,089
+6.1% YoY
|
Top 7.6% in tier |
| Assets |
$58.1M
-4.1% YoY+0.2% QoQ
|
+$28.3M |
$29.9M
+1.1% YoY
|
$514.3M
+4.6% YoY
|
$547.7M
+7.8% YoY
|
82% |
| Loans |
$27.5M
-19.4% YoY-6.6% QoQ
|
+$11.8M |
$15.8M
-2.4% YoY
|
$362.8M
+7.0% YoY
|
$388.7M
+8.6% YoY
|
79% |
| Deposits |
$50.4M
-4.7% YoY-0.8% QoQ
|
+$25.0M |
$25.5M
+0.4% YoY
|
$433.3M
+6.0% YoY
|
$464.6M
+9.3% YoY
|
82% |
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| ROA |
-0.0%
-82.7% YoY-85.2% QoQ
|
-0.7% |
0.7%
-731.4% YoY
|
1.2%
+18.8% YoY
|
0.7%
+273.4% YoY
|
15% |
| NIM |
4.3%
+7.3% YoY+2.5% QoQ
|
+0.4% |
3.9%
+3.8% YoY
|
4.3%
+2.6% YoY
|
3.7%
+5.0% YoY
|
66% |
| Efficiency Ratio |
84.9%
-10.4% YoY-2.7% QoQ
|
+3.5% |
81.4%
-2.4% YoY
|
75.1%
-1.9% YoY
|
79.1%
-3.3% YoY
|
67% |
| Delinquency Rate |
1.9%
+65.3% YoY-4.3% QoQ
|
+0.4 |
1.5%
-2.0% YoY
|
0.9%
+10.3% YoY
|
1.2%
-0.9% YoY
|
79% |
| Loan To Share |
54.6%
-15.5% YoY-5.8% QoQ
|
-6.6% |
61.2%
-3.0% YoY
|
71.3%
-1.2% YoY
|
68.0%
-1.7% YoY
|
39% |
| AMR |
$12,158
-4.9% YoY-3.6% QoQ
|
$-2K |
$14,627
-2.7% YoY
|
$16,641
+2.9% YoY
|
$19,418
+1.3% YoY
|
40% |
| CD Concentration |
6.9%
+13.7% YoY+0.6% QoQ
|
-17.5% |
24.4%
+4.2% YoY
|
17.4%
+3.6% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
5.9%
-5.3% YoY
|
7.9%
-2.9% YoY
|
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)