BlastPoint's Credit Union Scorecard
SOUTH CAROLINA NATIONAL GUARD
Charter #17636 · SC
SOUTH CAROLINA NATIONAL GUARD demonstrates 8 strengths
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.67% above tier average
- + Net Interest Margin 0.33% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Total Assets: Top 0.4% in tier
- + Total Deposits: Top 5.0% in tier
- + Efficiency Ratio: Top 6.5% in tier
- + Fee Income Per Member: Top 9.7% in tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (SC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
5,604
-1.2% YoY-0.6% QoQ
|
+3.0K |
2,615
-1.9% YoY
|
37,100
+2.2% YoY
|
33,374
+5.7% YoY
|
Top 10.8% in tier |
| Assets |
$98.9M
+6.4% YoY+3.8% QoQ
|
+$68.7M |
$30.1M
+2.1% YoY
|
$523.8M
+6.7% YoY
|
$561.6M
+9.7% YoY
|
Top 0.4% in tier |
| Loans |
$34.4M
-4.3% YoY-0.9% QoQ
|
+$18.7M |
$15.8M
-1.3% YoY
|
$367.9M
+7.3% YoY
|
$397.0M
+8.8% YoY
|
Top 14.4% in tier |
| Deposits |
$75.0M
+3.2% YoY+3.8% QoQ
|
+$49.3M |
$25.7M
+1.4% YoY
|
$439.0M
+5.8% YoY
|
$477.3M
+9.7% YoY
|
Top 5.0% in tier |
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| ROA |
2.3%
-10.2% YoY-3.3% QoQ
|
+1.7% |
0.6%
+10.8% YoY
|
1.0%
+5.1% YoY
|
0.7%
+15.9% YoY
|
Top 4.0% in tier |
| NIM |
4.3%
-6.8% YoY-2.1% QoQ
|
+0.3% |
4.0%
+4.0% YoY
|
4.2%
+0.5% YoY
|
3.8%
+5.1% YoY
|
66% |
| Efficiency Ratio |
53.9%
+2.4% YoY+0.7% QoQ
|
-28.6% |
82.6%
-2.3% YoY
|
76.9%
-0.6% YoY
|
79.7%
-3.3% YoY
|
Bottom 6.5% in tier |
| Delinquency Rate |
0.1%
-78.6% YoY-46.6% QoQ
|
-1.4 |
1.6%
-3.1% YoY
|
1.0%
+13.3% YoY
|
1.3%
-2.1% YoY
|
22% |
| Loan To Share |
45.9%
-7.3% YoY-4.6% QoQ
|
-14.7% |
60.6%
-3.1% YoY
|
71.5%
-0.9% YoY
|
67.4%
-1.7% YoY
|
27% |
| AMR |
$19,524
+2.0% YoY+2.9% QoQ
|
+$5K |
$14,783
-1.4% YoY
|
$16,782
+2.9% YoY
|
$19,687
+2.0% YoY
|
77% |
| CD Concentration |
25.5%
+4.4% YoY-1.7% QoQ
|
+1.1% | 24.4% | 17.8% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 5.9% | 7.8% | 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)