BlastPoint's Credit Union Scorecard
PALMETTO CITIZENS
Charter #1472 · SC
PALMETTO CITIZENS has 7 strengths but faces 3 concerns
How does the industry compare?
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How does SC stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 17.9% in tier
- + Emerging Performer: Top 39.5% in tier
- + Organic Growth Leader: Top 73.8% in tier
- + ROA 0.78% above tier average
- + Net Interest Margin 0.56% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Fee Income Per Member: Top 9.9% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 17.6% in tier
- - Credit Risk Growth: Bottom 25.8% in tier
- - Delinquency rate 0.18% above tier average
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (SC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
86,171
+2.1% YoY+0.3% QoQ
|
-11.3K |
97,431
-2.4% YoY
|
37,100
+2.2% YoY
|
33,374
+5.7% YoY
|
49% |
| Assets |
$1.4B
+6.7% YoY+1.5% QoQ
|
$-279.7M |
$1.7B
+0.9% YoY
|
$523.8M
+6.7% YoY
|
$561.6M
+9.7% YoY
|
41% |
| Loans |
$818.1M
+6.3% YoY+0.4% QoQ
|
$-416.3M |
$1.2B
+0.5% YoY
|
$367.9M
+7.3% YoY
|
$397.0M
+8.8% YoY
|
17% |
| Deposits |
$1.1B
+6.7% YoY+1.8% QoQ
|
$-309.7M |
$1.5B
+0.9% YoY
|
$439.0M
+5.8% YoY
|
$477.3M
+9.7% YoY
|
38% |
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| ROA |
1.5%
+30.7% YoY+2.4% QoQ
|
+0.8% |
0.7%
+20.9% YoY
|
1.0%
+5.1% YoY
|
0.7%
+15.9% YoY
|
Top 5.6% in tier |
| NIM |
3.8%
+18.1% YoY+1.3% QoQ
|
+0.6% |
3.3%
+9.2% YoY
|
4.2%
+0.5% YoY
|
3.8%
+5.1% YoY
|
83% |
| Efficiency Ratio |
65.5%
-8.4% YoY-1.3% QoQ
|
-8.5% |
74.1%
-9.5% YoY
|
76.9%
-0.6% YoY
|
79.7%
-3.3% YoY
|
18% |
| Delinquency Rate |
1.1%
+46.7% YoY+12.4% QoQ
|
+0.2 |
0.9%
+6.2% YoY
|
1.0%
+13.3% YoY
|
1.3%
-2.1% YoY
|
74% |
| Loan To Share |
71.2%
-0.4% YoY-1.4% QoQ
|
-13.6% |
84.8%
-0.8% YoY
|
71.5%
-0.9% YoY
|
67.4%
-1.7% YoY
|
17% |
| AMR |
$22,835
+4.4% YoY+0.9% QoQ
|
$-7K |
$29,428
+2.4% YoY
|
$16,782
+2.9% YoY
|
$19,687
+2.0% YoY
|
18% |
| CD Concentration |
21.9%
+11.8% YoY+2.6% QoQ
|
-7.2% | 29.0% | 17.8% | 19.8% | 20% |
| Indirect Auto % | 0.0% | -18.3% | 18.3% | 5.9% | 7.8% | Bottom 0.0% in tier |
Signature Analysis
Strengths (3)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Concerns (2)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
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)