CAROLINA FOOTHILLS
Charter #13476 | SC
100M-500M
(1077 CUs)
Micro
($0-$500M)
10 100M-500M in SC
CAROLINA FOOTHILLS has 9 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 9.7% in tier
- + Emerging Performer: Top 11.7% in tier
- + Relationship Depth Leader: Top 18.6% in tier
- + Organic Growth Engine: Top 21.5% in tier
- + Organic Growth Leader: Top 30.1% 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
- - Growth-at-Risk: 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
|
74th in tier |
| 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
|
54th in tier |
| 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
|
62nd in tier |
| 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
|
54th in tier |
| 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
|
64th in tier |
| 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
|
58th in tier |
| 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
|
46th in tier |
| 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
|
Top 17.6% in tier |
| 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
|
75th in tier |
| 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
|
Bottom 18.8% in tier |
| 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
|
50th in tier |
| Indirect Auto % |
0.0%
-100.0% YoY
|
-14.0% |
14.0%
-5.8% YoY
|
5.9%
-5.3% YoY
|
7.9%
-2.9% YoY
|
50th in tier |
Signature Analysis
Strengths (5)
Wallet Share Momentum
growth
#269 of 1006 • Top 9.7% in tier
Average member relationship growing year-over-year. Members are deepening their engagement.
Why This Signature
AMR Growth (YoY):
7.12%
(Tier:
3.68%, National:
4.19%)
1006 of 1077 Community CUs have this signature
| 1330 nationally
↑ Growing
+249 CUs YoY
|
Rank improving
Emerging Performer
growth
#221 of 627 • Top 11.7% in tier
Profitable credit union with positive returns. May represent growth potential worth exploring.
Why This Signature
Return on Assets:
0.97%
(Tier:
0.77%, National:
0.71%)
Member Growth (YoY):
0.75%
(Tier:
0.88%, National:
9.37%)
627 of 1077 Community CUs have this signature
| 852 nationally
↑ Growing
+13 CUs YoY
|
New qualifier
Relationship Depth Leader
growth
#513 of 1006 • Top 18.6% in tier
Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.
Why This Signature
AMR Growth (YoY):
7.12%
(Tier:
3.68%, National:
4.19%)
Share Draft per Member:
$2.1K
(Tier: $2.8K, National: $2.0K)
1006 of 1077 Community CUs have this signature
| 1330 nationally
↑ Growing
+249 CUs YoY
|
Rank improving
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%)
Return on Assets:
0.97%
(Tier:
0.77%, National:
0.71%)
Indirect Auto %:
0.00%
(Tier:
13.96%, National:
7.90%)
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 without relying on indirect channels. Healthy, sustainable growth model.
Why This Signature
Member Growth (YoY):
0.75%
(Tier:
0.88%, National:
9.37%)
430 of 1077 Community CUs have this signature
| 608 nationally
↓ Shrinking
-21 CUs YoY
|
Rank worsening
Concerns (2)
Growth-at-Risk
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:
3.64%, National:
36.38%)
Delinquency Change (YoY):
0.26% points
(Tier:
0.04% points, National:
0.07% points)
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)
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)
Top Strengths (5 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 13.34%
#1 of 1077
Top 0.0% in 100M-500M tier
73
Fee Income Per Member
profitability
Value:
$288.37
Peer Avg: $174.31
#73 of 1077
Top 6.7% in 100M-500M tier
212
AMR Growth Rate
growth
Value:
7.12%
Peer Avg: 3.64%
#212 of 1077
Top 19.6% in 100M-500M tier
214
Deposit Growth Rate
growth
Value:
8.08%
Peer Avg: 4.69%
#214 of 1077
Top 19.8% in 100M-500M tier
255
Loan Growth Rate
growth
Value:
7.74%
Peer Avg: 3.45%
#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: 0.86%
#888 of 1077
Bottom 17.6% in 100M-500M tier
874
Average Member Relationship (AMR)
engagement
Value:
$17,192
Peer Avg: $24,363
#874 of 1077
Bottom 18.9% in 100M-500M tier
830
Net Charge-Off Rate
risk
Value:
0.65%
Peer Avg: 0.47%
#830 of 1077
Bottom 23.0% in 100M-500M tier