BlastPoint's Credit Union Scorecard
PALMETTO CITIZENS
Charter #1472 · SC
PALMETTO CITIZENS has 6 strengths but faces 3 concerns
How does the industry compare?
What's your peer group doing?
How does SC stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Emerging Performer: Top 11.7% in tier
- + Organic Growth Engine: Top 46.1% in tier
- + Organic Growth Leader: Top 46.1% in tier
- + ROA 0.61% above tier average
- + Net Interest Margin 0.40% above tier average
- + Fee Income Per Member: Top 6.9% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 12.1% in tier
- - Credit Risk Growth: Bottom 41.1% in tier
- - Delinquency rate 0.29% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (SC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
86,899
+2.5% YoY+0.8% QoQ
|
-9.1K |
96,048
-2.7% YoY
|
37,268
+3.6% YoY
|
33,913
+5.7% YoY
|
51% |
| Assets |
$1.5B
+6.2% YoY+2.6% QoQ
|
$-239.0M |
$1.7B
+0.4% YoY
|
$534.3M
+6.5% YoY
|
$578.3M
+9.0% YoY
|
45% |
| Loans |
$821.8M
+7.0% YoY+0.4% QoQ
|
$-392.0M |
$1.2B
+0.2% YoY
|
$369.7M
+7.8% YoY
|
$402.4M
+8.7% YoY
|
19% |
| Deposits |
$1.2B
+6.5% YoY+3.0% QoQ
|
$-281.9M |
$1.5B
+0.5% YoY
|
$450.9M
+6.0% YoY
|
$494.3M
+9.1% YoY
|
40% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
1.3%
+61.6% YoY-9.0% QoQ
|
+0.6% |
0.7%
+27.6% YoY
|
0.7%
-43.3% YoY
|
0.4%
-39.2% YoY
|
Top 11.4% in tier |
| NIM |
3.8%
+8.7% YoY-2.1% QoQ
|
+0.4% |
3.4%
+6.2% YoY
|
4.1%
-0.5% YoY
|
3.8%
+4.1% YoY
|
77% |
| Efficiency Ratio |
67.7%
-10.1% YoY+3.3% QoQ
|
-6.9% |
74.6%
-3.0% YoY
|
81.4%
+7.0% YoY
|
84.6%
+2.8% YoY
|
22% |
| Delinquency Rate |
1.0%
+38.8% YoY-2.9% QoQ
|
+0.3 |
0.8%
+6.9% YoY
|
0.8%
+19.1% YoY
|
1.2%
+3.4% YoY
|
81% |
| Loan To Share |
69.4%
+0.5% YoY-2.4% QoQ
|
-13.8% |
83.2%
-0.4% YoY
|
69.5%
-0.5% YoY
|
65.6%
-1.4% YoY
|
Bottom 14.7% in tier |
| AMR |
$23,077
+4.1% YoY+1.1% QoQ
|
$-7K |
$29,652
+2.3% YoY
|
$16,971
+2.3% YoY
|
$19,920
+1.6% YoY
|
20% |
| CD Concentration |
23.3%
+20.1% YoY+6.6% QoQ
|
-5.5% | 28.8% | 18.0% | 19.8% | 25% |
| Indirect Auto % | 0.0% | -18.1% | 18.1% | 5.9% | 7.7% | Top 0.1% 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 (<15%). 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)