BlastPoint's Credit Union Scorecard
SOUTH CAROLINA NATIONAL GUARD
Charter #17636 · SC
SOUTH CAROLINA NATIONAL GUARD has 7 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.78% above tier average
- + Net Interest Margin 0.29% above tier average
- + Total Assets: Top 0.5% in tier
- + Total Deposits: Top 5.4% in tier
- + Fee Income Per Member: Top 7.7% in tier
- + Efficiency Ratio: Top 7.9% in tier
- + Net Worth Ratio: Top 8.7% in tier
Key Concerns
Areas that may need attention
- - Member decline: -2.3% YoY
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 23 that size in South Carolina.
- Shares and deposits +4.1% year over year ($73.7M in shares and deposits).
- Membership: 5,544 members, -2.3% vs a year ago.
- Delinquency rate 0.13%.
- Return on assets 2.27%.
- Efficiency ratio 55.80% vs a 88.77% peer average.
- Loan-to-share ratio 45.43% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (SC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
5,544
-2.3% YoY-0.7% QoQ
|
+3.0K |
2,585
-1.7% YoY
|
38,222
+5.6% YoY
|
34,678
+6.6% YoY
|
Top 10.7% in tier |
| Assets |
$98.3M
+5.7% YoY+0.9% QoQ
|
+$68.0M |
$30.3M
+1.5% YoY
|
$548.9M
+9.6% YoY
|
$593.1M
+10.2% YoY
|
Top 0.5% in tier |
| Loans |
$33.5M
-5.2% YoY-2.3% QoQ
|
+$18.0M |
$15.5M
-1.7% YoY
|
$385.7M
+10.8% YoY
|
$418.6M
+10.1% YoY
|
Top 14.3% in tier |
| Deposits |
$73.7M
+4.1% YoY+0.6% QoQ
|
+$47.9M |
$25.8M
+1.1% YoY
|
$462.6M
+9.2% YoY
|
$504.8M
+10.3% YoY
|
Top 5.4% in tier |
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| ROA |
2.3%
-6.3% YoY+3.5% QoQ
|
+0.8% |
1.5%
+241.5% YoY
|
0.9%
-19.6% YoY
|
1.2%
+121.4% YoY
|
Top 7.0% in tier |
| NIM |
4.2%
-5.1% YoY+1.5% QoQ
|
+0.3% |
3.9%
+0.9% YoY
|
4.2%
-1.3% YoY
|
3.8%
+2.3% YoY
|
65% |
| Efficiency Ratio |
55.8%
+4.8% YoY-1.2% QoQ
|
-33.0% |
88.8%
-6.9% YoY
|
79.7%
+5.8% YoY
|
83.0%
-5.3% YoY
|
Top 7.9% in tier |
| Delinquency Rate |
0.1%
-61.5% YoY-23.3% QoQ
|
-1.4 |
1.5%
+2.1% YoY
|
1.1%
+14.2% YoY
|
1.3%
+2.6% YoY
|
22% |
| Loan To Share |
45.4%
-9.0% YoY-2.9% QoQ
|
-13.5% |
58.9%
-3.1% YoY
|
70.2%
-0.9% YoY
|
66.4%
-1.4% YoY
|
30% |
| AMR |
$19,322
+3.4% YoY+0.4% QoQ
|
+$4K |
$14,963
-6.8% YoY
|
$17,221
+4.1% YoY
|
$20,028
-0.9% YoY
|
75% |
| CD Concentration |
25.2%
-1.6% YoY-3.1% QoQ
|
+0.7% | 24.6% | 18.3% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 6.0% | 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)