BlastPoint's Credit Union Scorecard
EDISTO
Charter #1397 · SC
EDISTO has 2 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.38% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - ROA 0.10% below tier average
- - Efficiency ratio 6.60% above tier (higher cost structure)
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (SC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,800
-0.3% YoY+0.0% QoQ
|
+184 |
2,615
-1.9% YoY
|
37,100
+2.2% YoY
|
33,374
+5.7% YoY
|
64% |
| Assets |
$23.4M
+1.7% YoY-0.3% QoQ
|
$-6.8M |
$30.1M
+2.1% YoY
|
$523.8M
+6.7% YoY
|
$561.6M
+9.7% YoY
|
52% |
| Loans |
$11.3M
-5.2% YoY+11.8% QoQ
|
$-4.5M |
$15.8M
-1.3% YoY
|
$367.9M
+7.3% YoY
|
$397.0M
+8.8% YoY
|
54% |
| Deposits |
$19.3M
+1.2% YoY-0.5% QoQ
|
$-6.4M |
$25.7M
+1.4% YoY
|
$439.0M
+5.8% YoY
|
$477.3M
+9.7% YoY
|
51% |
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| ROA |
0.5%
-57.8% YoY-8.4% QoQ
|
-0.1% |
0.6%
+10.8% YoY
|
1.0%
+5.1% YoY
|
0.7%
+15.9% YoY
|
40% |
| NIM |
4.3%
-13.7% YoY-0.5% QoQ
|
+0.4% |
4.0%
+4.0% YoY
|
4.2%
+0.5% YoY
|
3.8%
+5.1% YoY
|
68% |
| Efficiency Ratio |
89.2%
+14.9% YoY+1.5% QoQ
|
+6.6% |
82.6%
-2.3% YoY
|
76.9%
-0.6% YoY
|
79.7%
-3.3% YoY
|
73% |
| Delinquency Rate |
1.1%
+564.0% YoY+24.6% QoQ
|
-0.4 |
1.6%
-3.1% YoY
|
1.0%
+13.3% YoY
|
1.3%
-2.1% YoY
|
64% |
| Loan To Share |
58.3%
-6.4% YoY+12.3% QoQ
|
-2.3% |
60.6%
-3.1% YoY
|
71.5%
-0.9% YoY
|
67.4%
-1.7% YoY
|
47% |
| AMR |
$10,915
-1.0% YoY+3.7% QoQ
|
$-4K |
$14,783
-1.4% YoY
|
$16,782
+2.9% YoY
|
$19,687
+2.0% YoY
|
33% |
| CD Concentration |
22.0%
-0.5% YoY-1.9% QoQ
|
-2.4% | 24.4% | 17.8% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 5.9% | 7.8% | 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)