BlastPoint's Credit Union Scorecard
S C I
Charter #16655 · SC
S C I has 4 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.14% above tier average
- + Strong member growth: 8.0% YoY
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Member Growth Rate: Top 4.3% in tier
Key Concerns
Areas that may need attention
- - ROA 0.37% below tier average
- - Efficiency ratio 6.08% above tier (higher cost structure)
- - AMR Growth Rate: Bottom 7.2% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (SC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,667
+8.0% YoY+0.5% QoQ
|
-958 |
2,625
-2.2% YoY
|
37,124
+2.2% YoY
|
33,089
+6.1% YoY
|
44% |
| Assets |
$22.3M
-1.5% YoY+0.6% QoQ
|
$-7.6M |
$29.9M
+1.1% YoY
|
$514.3M
+4.6% YoY
|
$547.7M
+7.8% YoY
|
51% |
| Loans |
$9.4M
-5.8% YoY+0.8% QoQ
|
$-6.3M |
$15.8M
-2.4% YoY
|
$362.8M
+7.0% YoY
|
$388.7M
+8.6% YoY
|
49% |
| Deposits |
$18.9M
-2.1% YoY+0.5% QoQ
|
$-6.6M |
$25.5M
+0.4% YoY
|
$433.3M
+6.0% YoY
|
$464.6M
+9.3% YoY
|
51% |
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 |
0.3%
-9.1% YoY+125.3% QoQ
|
-0.4% |
0.7%
-731.4% YoY
|
1.2%
+18.8% YoY
|
0.7%
+273.4% YoY
|
28% |
| NIM |
4.1%
+6.0% YoY+0.8% QoQ
|
+0.1% |
3.9%
+3.8% YoY
|
4.3%
+2.6% YoY
|
3.7%
+5.0% YoY
|
57% |
| Efficiency Ratio |
87.5%
-0.9% YoY-0.3% QoQ
|
+6.1% |
81.4%
-2.4% YoY
|
75.1%
-1.9% YoY
|
79.1%
-3.3% YoY
|
72% |
| Delinquency Rate |
0.1%
-87.4% YoY-74.8% QoQ
|
-1.4 |
1.5%
-2.0% YoY
|
0.9%
+10.3% YoY
|
1.2%
-0.9% YoY
|
23% |
| Loan To Share |
49.9%
-3.9% YoY+0.3% QoQ
|
-11.4% |
61.2%
-3.0% YoY
|
71.3%
-1.2% YoY
|
68.0%
-1.7% YoY
|
32% |
| AMR |
$16,996
-10.5% YoY+0.1% QoQ
|
+$2K |
$14,627
-2.7% YoY
|
$16,641
+2.9% YoY
|
$19,418
+1.3% YoY
|
67% |
| CD Concentration |
10.7%
+43.1% YoY+17.1% QoQ
|
-13.7% |
24.4%
+4.2% YoY
|
17.4%
+3.6% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
5.9%
-5.3% YoY
|
7.9%
-2.9% YoY
|
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)