BlastPoint's Credit Union Scorecard

EDISTO

Charter #1397 · SC

2596 CUs in <100M nationally 24 in SC

EDISTO has 2 strengths but faces 2 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

+ Net Interest Margin 0.42% above tier average
+ Indirect Auto Concentration (%): Top 0.0% in tier

Key Concerns

Areas that may need attention

- ROA 0.12% below tier average
- Efficiency ratio 6.44% above tier (higher cost structure)

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (SC)	National Avg	Tier Percentile
Members	2,799 -1.3% YoY-0.1% QoQ	+173	2,625 -2.2% YoY	37,124 +2.2% YoY	33,089 +6.1% YoY	64%
Assets	$23.5M +2.7% YoY+1.2% QoQ	$-6.4M	$29.9M +1.1% YoY	$514.3M +4.6% YoY	$547.7M +7.8% YoY	52%
Loans	$10.1M -3.4% YoY-6.1% QoQ	$-5.7M	$15.8M -2.4% YoY	$362.8M +7.0% YoY	$388.7M +8.6% YoY	51%
Deposits	$19.4M +2.1% YoY+1.4% QoQ	$-6.1M	$25.5M +0.4% YoY	$433.3M +6.0% YoY	$464.6M +9.3% YoY	52%

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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	0.6% -56.1% YoY-22.6% QoQ	-0.1%	0.7% -731.4% YoY	1.2% +18.8% YoY	0.7% +273.4% YoY	40%
NIM	4.4% -15.2% YoY-4.9% QoQ	+0.4%	3.9% +3.8% YoY	4.3% +2.6% YoY	3.7% +5.0% YoY	68%
Efficiency Ratio	87.8% +14.5% YoY+2.9% QoQ	+6.4%	81.4% -2.4% YoY	75.1% -1.9% YoY	79.1% -3.3% YoY	72%
Delinquency Rate	0.9% +90.3% YoY+88.9% QoQ	-0.6	1.5% -2.0% YoY	0.9% +10.3% YoY	1.2% -0.9% YoY	59%
Loan To Share	51.9% -5.4% YoY-7.3% QoQ	-9.3%	61.2% -3.0% YoY	71.3% -1.2% YoY	68.0% -1.7% YoY	35%
AMR	$10,530 +1.5% YoY-1.2% QoQ	$-4K	$14,627 -2.7% YoY	$16,641 +2.9% YoY	$19,418 +1.3% YoY	32%
CD Concentration	22.4% +5.6% YoY-4.1% QoQ	-2.0%	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)

No strengths identified

Concerns (0)

No concerns identified

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 2596 peers in tier

Top Strengths (2 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Avg: -

#1 of 2596 Top 0.0% in <100M tier

519

Fee Income Per Member

profitability

Value: $131.64

Peer Avg: -

#519 of 2596 Top 20.0% in <100M tier

Top Weaknesses (1 metrics)

2209

First Mortgage Concentration (%)

balance_sheet

Value: 36.44%

Peer Avg: -

#2209 of 2596 Bottom 14.9% in <100M tier