BlastPoint's Credit Union Scorecard

CAROLINA FOOTHILLS

Charter #13476 · SC

1077 CUs in 100M-500M nationally 10 in SC

CAROLINA FOOTHILLS has 7 strengths but faces 3 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

+ Organic Growth Engine: Top 21.5% in tier
+ Organic Growth Leader: Top 30.1% in tier
+ Wallet Share Momentum: Top 55.8% in tier
+ ROA 0.19% above tier average
+ Net Interest Margin 0.13% above tier average
+ Indirect Auto Concentration (%): Top 0.0% in tier
+ Fee Income Per Member: Top 6.7% in tier

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 8.5% in tier
- Credit Quality Pressure: Bottom 11.8% in tier
- Delinquency rate 0.49% above tier average

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (SC)	National Avg	Tier Percentile
Members	19,619 +0.8% YoY+0.2% QoQ	+4.0K	15,628 -3.4% YoY	37,124 +2.2% YoY	33,089 +6.1% YoY	74%
Assets	$211.0M +5.2% YoY+3.7% QoQ	$-20.3M	$231.3M -0.0% YoY	$514.3M +4.6% YoY	$547.7M +7.8% YoY	54%
Loans	$154.9M +7.7% YoY+2.8% QoQ	+$7.1M	$147.8M -1.4% YoY	$362.8M +7.0% YoY	$388.7M +8.6% YoY	62%
Deposits	$182.4M +8.1% YoY+4.2% QoQ	$-17.9M	$200.3M -0.0% YoY	$433.3M +6.0% YoY	$464.6M +9.3% YoY	54%

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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% -1105.6% YoY-28.1% QoQ	+0.2%	0.8% +15.5% YoY	1.2% +18.8% YoY	0.7% +273.4% YoY	64%
NIM	3.7% +12.3% YoY+0.0% QoQ	+0.1%	3.6% +6.9% YoY	4.3% +2.6% YoY	3.7% +5.0% YoY	58%
Efficiency Ratio	76.1% -19.6% YoY+4.8% QoQ	-1.1%	77.3% -3.0% YoY	75.1% -1.9% YoY	79.1% -3.3% YoY	46%
Delinquency Rate	1.3% +24.2% YoY+31.0% QoQ	+0.5	0.9% +7.6% YoY	0.9% +10.3% YoY	1.2% -0.9% YoY	82%
Loan To Share	85.0% -0.3% YoY-1.4% QoQ	+12.3%	72.7% -1.5% YoY	71.3% -1.2% YoY	68.0% -1.7% YoY	75%
AMR	$17,192 +7.1% YoY+3.4% QoQ	$-7K	$24,363 +2.9% YoY	$16,641 +2.9% YoY	$19,418 +1.3% YoY	19%
CD Concentration	23.2% +3.1% YoY+3.4% QoQ	-1.2%	24.4% +4.2% YoY	17.4% +3.6% YoY	19.6% +6.2% YoY	50%
Indirect Auto %	0.0% -100.0% YoY	-14.0%	14.0% -5.7% YoY	5.9% -5.3% YoY	7.9% -2.9% YoY	50%

Signature Analysis

Strengths (3)

Organic Growth Engine

growth

#395 of 603 • Top 21.5% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 0.75%

(Tier: 0.88%, National: 9.37%)

but worse than tier avg

Return on Assets: 0.97%

(Tier: 0.77%, National: 0.71%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.97%, National: 7.90%)

better than tier avg

603 of 1077 Community CUs have this signature | 917 nationally

→ Stable (608→603 CUs) -5 CUs YoY | New qualifier

Organic Growth Leader

growth

#397 of 430 • Top 30.1% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 0.75%

(Tier: 0.88%, National: 9.37%)

but worse than tier avg

Indirect Auto %: 0.00%

(Tier: 13.97%, National: 7.90%)

better than tier avg

430 of 1077 Community CUs have this signature | 608 nationally

↓ Shrinking -21 CUs YoY | Rank worsening

Wallet Share Momentum

growth

#269 of 481 • Top 55.8% in tier

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

Why This Signature

AMR Growth (YoY): 7.12%

(Tier: 3.68%, National: 4.19%)

better than tier avg

481 of 1077 Community CUs have this signature | 620 nationally

↑ Growing +201 CUs YoY | New qualifier

Concerns (2)

Credit Risk Growth

risk

#129 of 446 • Bottom 8.5% in tier

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

Why This Signature

Loan Growth (YoY): 7.74%

(Tier: 3.65%, National: 36.38%)

but better than tier avg

Delinquency Change (YoY): 0.26% points

(Tier: 0.04% points, National: 0.07% points)

worse than tier avg

446 of 1077 Community CUs have this signature | 646 nationally

↓ Shrinking -77 CUs YoY | Rank worsening

Credit Quality Pressure

risk

#292 of 736 • Bottom 11.8% in tier

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

Why This Signature

Delinquency Change (YoY): 0.26% points

(Tier: 0.04% points, National: 0.07% points)

worse than tier avg

736 of 1077 Community CUs have this signature | 1002 nationally

↓ Shrinking -199 CUs YoY | Rank worsening

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 1077 peers in tier

Top Strengths (5 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Avg: -

#1 of 1077 Top 0.0% in 100M-500M tier

Fee Income Per Member

profitability

Value: $288.37

Peer Avg: -

#73 of 1077 Top 6.7% in 100M-500M tier

212

AMR Growth Rate

growth

Value: 7.12%

Peer Avg: -

#212 of 1077 Top 19.6% in 100M-500M tier

214

Deposit Growth Rate

growth

Value: 8.08%

Peer Avg: -

#214 of 1077 Top 19.8% in 100M-500M tier

255

Loan Growth Rate

growth

Value: 7.74%

Peer Avg: -

#255 of 1077 Top 23.6% in 100M-500M tier

Top Weaknesses (3 metrics)

888

Total Delinquency Rate (60+ days)

risk

Value: 1.35%

Peer Avg: -

#888 of 1077 Bottom 17.6% in 100M-500M tier

874

Average Member Relationship (AMR)

engagement

Value: $17,192

Peer Avg: -

#874 of 1077 Bottom 18.9% in 100M-500M tier

830

Net Charge-Off Rate

risk

Value: 0.65%

Peer Avg: -

#830 of 1077 Bottom 23.0% in 100M-500M tier