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 5.9% in tier
- + Organic Growth Leader: Top 24.7% in tier
- + Profitability Leader: Top 28.7% in tier
- + Emerging Performer: Top 47.9% in tier
- + ROA 0.72% above tier average
- + Net Interest Margin 0.52% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 5.9% in tier
- - Credit Quality Pressure: Bottom 6.1% in tier
- - Delinquency rate 0.13% above tier average
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (SC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
85,933
+2.0% YoY+0.9% QoQ
|
-12.7K |
98,678
-1.9% YoY
|
37,124
+2.2% YoY
|
33,089
+6.1% YoY
|
47% |
| Assets |
$1.4B
+7.7% YoY+1.2% QoQ
|
$-297.7M |
$1.7B
+0.5% YoY
|
$514.3M
+4.6% YoY
|
$547.7M
+7.8% YoY
|
40% |
| Loans |
$815.2M
+6.9% YoY+2.3% QoQ
|
$-417.9M |
$1.2B
+0.5% YoY
|
$362.8M
+7.0% YoY
|
$388.7M
+8.6% YoY
|
16% |
| Deposits |
$1.1B
+7.0% YoY+0.9% QoQ
|
$-325.0M |
$1.5B
+1.3% YoY
|
$433.3M
+6.0% YoY
|
$464.6M
+9.3% YoY
|
34% |
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| ROA |
1.4%
+21.4% YoY+10.9% QoQ
|
+0.7% |
0.7%
+13.4% YoY
|
1.2%
+18.8% YoY
|
0.7%
+273.4% YoY
|
Top 7.6% in tier |
| NIM |
3.8%
+16.5% YoY+3.0% QoQ
|
+0.5% |
3.3%
+9.3% YoY
|
4.3%
+2.6% YoY
|
3.7%
+5.0% YoY
|
82% |
| Efficiency Ratio |
66.4%
-6.8% YoY-2.6% QoQ
|
-7.6% |
74.0%
-10.9% YoY
|
75.1%
-1.9% YoY
|
79.1%
-3.3% YoY
|
21% |
| Delinquency Rate |
1.0%
+45.6% YoY+18.7% QoQ
|
+0.1 |
0.8%
+6.1% YoY
|
0.9%
+10.3% YoY
|
1.2%
-0.9% YoY
|
73% |
| Loan To Share |
72.2%
-0.1% YoY+1.4% QoQ
|
-13.0% |
85.2%
-0.8% YoY
|
71.3%
-1.2% YoY
|
68.0%
-1.7% YoY
|
17% |
| AMR |
$22,628
+4.9% YoY+0.6% QoQ
|
$-7K |
$29,172
+2.8% YoY
|
$16,641
+2.9% YoY
|
$19,418
+1.3% YoY
|
19% |
| CD Concentration |
21.3%
+15.9% YoY+5.2% QoQ
|
-7.7% |
29.0%
+0.7% YoY
|
17.4%
+3.6% YoY
|
19.6%
+6.2% YoY
|
17% |
| Indirect Auto % | 0.0% | -18.8% |
18.8%
-3.0% YoY
|
5.9%
-5.3% YoY
|
7.9%
-2.9% YoY
|
Bottom 0.0% in tier |
Signature Analysis
Strengths (4)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Profitability Leader
growthTop-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Concerns (2)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)