BlastPoint's Credit Union Scorecard
PALACE CITY
Charter #13103 · SD
PALACE CITY has 2 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.07% above tier average
- + Total Delinquency Rate (60+ days): Top 0.1% in tier
Key Concerns
Areas that may need attention
- - Efficiency ratio 4.05% above tier (higher cost structure)
- - Member decline: -2.3% YoY
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (SD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,562
-2.3% YoY-0.2% QoQ
|
-1.1K |
2,676
+1.6% YoY
|
10,664
+2.0% YoY
|
33,913
+5.7% YoY
|
42% |
| Assets |
$16.4M
-2.7% YoY-1.4% QoQ
|
$-13.8M |
$30.2M
+1.3% YoY
|
$187.1M
+4.6% YoY
|
$578.3M
+9.0% YoY
|
43% |
| Loans |
$6.8M
-3.2% YoY-2.6% QoQ
|
$-8.5M |
$15.3M
-2.0% YoY
|
$124.5M
+2.5% YoY
|
$402.4M
+8.7% YoY
|
42% |
| Deposits |
$14.7M
-3.9% YoY-1.0% QoQ
|
$-11.1M |
$25.8M
+0.7% YoY
|
$165.7M
+4.9% YoY
|
$494.3M
+9.1% YoY
|
44% |
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| ROA |
0.2%
-60.1% YoY-64.7% QoQ
|
+0.1% |
0.1%
-77.6% YoY
|
0.9%
-399.1% YoY
|
0.4%
-39.2% YoY
|
31% |
| NIM |
3.5%
-6.7% YoY-2.9% QoQ
|
-0.5% |
4.0%
+4.0% YoY
|
4.0%
+2.7% YoY
|
3.8%
+4.1% YoY
|
36% |
| Efficiency Ratio |
94.7%
+8.7% YoY+11.2% QoQ
|
+4.0% |
90.6%
+6.5% YoY
|
79.0%
-5.2% YoY
|
84.6%
+2.8% YoY
|
78% |
| Delinquency Rate |
0.0%
-100.0% YoY
|
-1.5 |
1.5%
+3.8% YoY
|
0.9%
+21.4% YoY
|
1.2%
+3.4% YoY
|
Top 0.1% in tier |
| Loan To Share |
46.4%
+0.7% YoY-1.6% QoQ
|
-12.1% |
58.5%
-3.0% YoY
|
70.0%
-0.5% YoY
|
65.6%
-1.4% YoY
|
31% |
| AMR |
$13,768
-1.5% YoY-1.3% QoQ
|
$-1K |
$14,884
-1.7% YoY
|
$21,889
+2.4% YoY
|
$19,920
+1.6% YoY
|
49% |
| CD Concentration |
18.5%
+1.5% YoY-12.4% QoQ
|
-5.8% | 24.3% | 28.7% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 7.9% | 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)