BlastPoint's Credit Union Scorecard
S C I
Charter #16655 · SC
S C I has 2 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Total Delinquency Rate (60+ days): Top 0.1% in tier
- + Member Growth Rate: Top 7.5% in tier
Key Concerns
Areas that may need attention
- - ROA 0.54% below tier average
- - Efficiency ratio 16.71% above tier (higher cost structure)
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (SC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,622
+4.4% YoY-2.5% QoQ
|
-1.1K |
2,676
+1.6% YoY
|
37,268
+3.6% YoY
|
33,913
+5.7% YoY
|
43% |
| Assets |
$23.4M
+2.5% YoY+3.4% QoQ
|
$-6.8M |
$30.2M
+1.3% YoY
|
$534.3M
+6.5% YoY
|
$578.3M
+9.0% YoY
|
52% |
| Loans |
$9.3M
-0.3% YoY-1.9% QoQ
|
$-5.9M |
$15.3M
-2.0% YoY
|
$369.7M
+7.8% YoY
|
$402.4M
+8.7% YoY
|
50% |
| Deposits |
$20.0M
+2.5% YoY+4.2% QoQ
|
$-5.8M |
$25.8M
+0.7% YoY
|
$450.9M
+6.0% YoY
|
$494.3M
+9.1% YoY
|
52% |
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| ROA |
-0.4%
+183.7% YoY-219.7% QoQ
|
-0.5% |
0.1%
-77.6% YoY
|
0.7%
-43.3% YoY
|
0.4%
-39.2% YoY
|
Bottom 14.3% in tier |
| NIM |
3.7%
-5.2% YoY-7.5% QoQ
|
-0.3% |
4.0%
+4.0% YoY
|
4.1%
-0.5% YoY
|
3.8%
+4.1% YoY
|
45% |
| Efficiency Ratio |
107.3%
+18.2% YoY+20.6% QoQ
|
+16.7% |
90.6%
+6.5% YoY
|
81.4%
+7.0% YoY
|
84.6%
+2.8% YoY
|
Bottom 11.1% in tier |
| Delinquency Rate |
0.0%
-100.0% YoY-100.0% QoQ
|
-1.5 |
1.5%
+3.8% YoY
|
0.8%
+19.1% YoY
|
1.2%
+3.4% YoY
|
Top 0.1% in tier |
| Loan To Share |
46.7%
-2.8% YoY-5.9% QoQ
|
-11.8% |
58.5%
-3.0% YoY
|
69.5%
-0.5% YoY
|
65.6%
-1.4% YoY
|
32% |
| AMR |
$18,079
-2.7% YoY+4.8% QoQ
|
+$3K |
$14,884
-1.7% YoY
|
$16,971
+2.3% YoY
|
$19,920
+1.6% YoY
|
70% |
| CD Concentration |
12.5%
+39.3% YoY+3.8% QoQ
|
-11.8% | 24.3% | 18.0% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 5.9% | 7.7% | 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)