BlastPoint's Credit Union Scorecard
EDISTO
Charter #1397 · SC
EDISTO has 1 strength but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.32% above tier average
Key Concerns
Areas that may need attention
- - ROA 1.11% below tier average
- - Efficiency ratio 3.00% above tier (higher cost structure)
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 23 that size in South Carolina.
- Shares and deposits +0.6% year over year ($19.2M in shares and deposits).
- Membership: 2,771 members, -1.1% vs a year ago.
- Delinquency rate 1.54%.
- Return on assets 0.39%.
- Efficiency ratio 91.76% vs a 88.77% peer average.
- Loan-to-share ratio 50.13% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (SC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,771
-1.1% YoY-0.6% QoQ
|
+185 |
2,585
-1.7% YoY
|
38,222
+5.6% YoY
|
34,678
+6.6% YoY
|
65% |
| Assets |
$23.4M
+0.8% YoY-0.3% QoQ
|
$-6.9M |
$30.3M
+1.5% YoY
|
$548.9M
+9.6% YoY
|
$593.1M
+10.2% YoY
|
52% |
| Loans |
$9.6M
-10.0% YoY-7.4% QoQ
|
$-5.8M |
$15.5M
-1.7% YoY
|
$385.7M
+10.8% YoY
|
$418.6M
+10.1% YoY
|
50% |
| Deposits |
$19.2M
+0.6% YoY-0.4% QoQ
|
$-6.6M |
$25.8M
+1.1% YoY
|
$462.6M
+9.2% YoY
|
$504.8M
+10.3% YoY
|
51% |
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| ROA |
0.4%
-47.0% YoY-39.3% QoQ
|
-1.1% |
1.5%
+241.5% YoY
|
0.9%
-19.6% YoY
|
1.2%
+121.4% YoY
|
24% |
| NIM |
4.2%
-7.8% YoY-4.0% QoQ
|
+0.3% |
3.9%
+0.9% YoY
|
4.2%
-1.3% YoY
|
3.8%
+2.3% YoY
|
66% |
| Efficiency Ratio |
91.8%
+7.5% YoY+3.9% QoQ
|
+3.0% |
88.8%
-6.9% YoY
|
79.7%
+5.8% YoY
|
83.0%
-5.3% YoY
|
75% |
| Delinquency Rate |
1.5%
+216.6% YoY+41.4% QoQ
|
+0.0 |
1.5%
+2.1% YoY
|
1.1%
+14.2% YoY
|
1.3%
+2.6% YoY
|
72% |
| Loan To Share |
50.1%
-10.6% YoY-7.0% QoQ
|
-8.8% |
58.9%
-3.1% YoY
|
70.2%
-0.9% YoY
|
66.4%
-1.4% YoY
|
36% |
| AMR |
$10,429
-2.2% YoY-2.3% QoQ
|
$-5K |
$14,963
-6.8% YoY
|
$17,221
+4.1% YoY
|
$20,028
-0.9% YoY
|
30% |
| CD Concentration |
21.4%
-8.3% YoY-4.5% QoQ
|
-3.1% | 24.6% | 18.3% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 6.0% | 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)