BlastPoint's Credit Union Scorecard

SOUTH CAROLINA NATIONAL GUARD

Charter #17636 · SC

<100M
2508 CUs in <100M nationally 24 in SC

SOUTH CAROLINA NATIONAL GUARD demonstrates 7 strengths

Key Strengths

Areas where this CU excels compared to peers

  • + ROA 2.05% above tier average
  • + Net Interest Margin 0.12% above tier average
  • + Total Assets: Top 0.7% in tier
  • + Total Deposits: Top 5.5% in tier
  • + Fee Income Per Member: Top 6.9% in tier
  • + Efficiency Ratio: Top 8.7% in tier
  • + Net Worth Ratio: Top 9.1% in tier

Key Concerns

Areas that may need attention

No key concerns identified

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (SC) National Avg Tier Percentile
Members 5,584
-1.5% YoY-0.4% QoQ
+2.9K 2,676
+1.6% YoY
37,268
+3.6% YoY
33,913
+5.7% YoY
Top 10.5% in tier
Assets $97.4M
+5.3% YoY-1.5% QoQ
+$67.2M $30.2M
+1.3% YoY
$534.3M
+6.5% YoY
$578.3M
+9.0% YoY
Top 0.7% in tier
Loans $34.3M
-3.8% YoY-0.4% QoQ
+$19.0M $15.3M
-2.0% YoY
$369.7M
+7.8% YoY
$402.4M
+8.7% YoY
Top 13.6% in tier
Deposits $73.2M
+3.1% YoY-2.4% QoQ
+$47.5M $25.8M
+0.7% YoY
$450.9M
+6.0% YoY
$494.3M
+9.1% YoY
Top 5.5% in tier

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Tier 1
50+ financial metrics with peer benchmarks
Performance signatures (strengths & concerns)
AI-generated insights and rankings

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ROA 2.2%
-6.2% YoY-4.4% QoQ
+2.0% 0.1%
-77.6% YoY
0.7%
-43.3% YoY
0.4%
-39.2% YoY
Top 4.7% in tier
NIM 4.1%
-3.7% YoY-3.6% QoQ
+0.1% 4.0%
+4.0% YoY
4.1%
-0.5% YoY
3.8%
+4.1% YoY
64%
Efficiency Ratio 56.5%
+4.5% YoY+4.7% QoQ
-34.2% 90.6%
+6.5% YoY
81.4%
+7.0% YoY
84.6%
+2.8% YoY
Top 8.7% in tier
Delinquency Rate 0.2%
-66.7% YoY+28.0% QoQ
-1.3 1.5%
+3.8% YoY
0.8%
+19.1% YoY
1.2%
+3.4% YoY
27%
Loan To Share 46.8%
-6.7% YoY+2.0% QoQ
-11.7% 58.5%
-3.0% YoY
69.5%
-0.5% YoY
65.6%
-1.4% YoY
32%
AMR $19,251
+2.4% YoY-1.4% QoQ
+$4K $14,884
-1.7% YoY
$16,971
+2.3% YoY
$19,920
+1.6% YoY
75%
CD Concentration 26.0%
+1.7% YoY+2.1% QoQ
+1.7% 24.3% 18.0% 19.8% 50%
Indirect Auto % 0.0% -13.8% 13.8% 5.9% 7.7% 50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

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)

Comparing against 2508 peers in tier

Top Strengths (11 metrics)

1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Median: 0.00%
#1 of 2508 Top 0.1% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value: 0.00%
Peer Median: 3.66%
#1 of 2508 Top 0.1% in <100M tier
18
Total Assets
balance_sheet
Value: $97.43M
Peer Median: $21.86M
#18 of 2508 Top 0.7% in <100M tier
117
Return on Assets (ROA)
profitability
Value: 2.20%
Peer Median: 0.61%
#117 of 2508 Top 4.6% in <100M tier
139
Total Deposits
balance_sheet
Value: $73.23M
Peer Median: $18.77M
#139 of 2508 Top 5.5% in <100M tier
174
Fee Income Per Member
profitability
Value: $179.14
Peer Median: $60.42
#174 of 2508 Top 6.9% in <100M tier
220
Efficiency Ratio
profitability
Value: 56.48%
Peer Median: 81.45%
#220 of 2508 Top 8.7% in <100M tier
228
Net Worth Ratio
risk
Value: 26.25%
Peer Median: 14.28%
#228 of 2508 Top 9.1% in <100M tier
264
Total Members
engagement
Value: 5,584
Peer Median: 1,918
#264 of 2508 Top 10.5% in <100M tier
342
Total Loans
balance_sheet
Value: $34.27M
Peer Median: $9.48M
#342 of 2508 Top 13.6% in <100M tier

Top Weaknesses (1 metrics)

1920
Share Certificate Concentration (%)
balance_sheet
Value: 26.02%
Peer Median: 12.45%
#1920 of 2508 Bottom 23.5% in <100M tier
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