BlastPoint's Credit Union Scorecard
SELF MEMORIAL HOSPITAL
Charter #17831 · SC
SELF MEMORIAL HOSPITAL has 1 strength but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.51% above tier average
Key Concerns
Areas that may need attention
- - ROA 0.15% below tier average
- - Efficiency ratio 3.38% above tier (higher cost structure)
- - Member decline: -7.2% YoY
- - Asset Growth Rate: Bottom 9.0% in tier
- - Deposit Growth Rate: Bottom 9.1% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (SC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,838
-7.2% YoY-1.8% QoQ
|
-838 |
2,676
+1.6% YoY
|
37,268
+3.6% YoY
|
33,913
+5.7% YoY
|
48% |
| Assets |
$13.8M
-7.1% YoY+1.3% QoQ
|
$-16.4M |
$30.2M
+1.3% YoY
|
$534.3M
+6.5% YoY
|
$578.3M
+9.0% YoY
|
39% |
| Loans |
$7.4M
-10.1% YoY-3.6% QoQ
|
$-7.8M |
$15.3M
-2.0% YoY
|
$369.7M
+7.8% YoY
|
$402.4M
+8.7% YoY
|
44% |
| Deposits |
$12.4M
-8.4% YoY+1.4% QoQ
|
$-13.4M |
$25.8M
+0.7% YoY
|
$450.9M
+6.0% YoY
|
$494.3M
+9.1% YoY
|
41% |
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| ROA |
0.0%
-100.0% YoY-100.0% QoQ
|
-0.1% |
0.1%
-77.6% YoY
|
0.7%
-43.3% YoY
|
0.4%
-39.2% YoY
|
21% |
| NIM |
4.5%
-2.3% YoY-5.9% QoQ
|
+0.5% |
4.0%
+4.0% YoY
|
4.1%
-0.5% YoY
|
3.8%
+4.1% YoY
|
77% |
| Efficiency Ratio |
94.0%
-1.9% YoY+2.4% QoQ
|
+3.4% |
90.6%
+6.5% YoY
|
81.4%
+7.0% YoY
|
84.6%
+2.8% YoY
|
76% |
| Delinquency Rate |
0.5%
+66.7% YoY-23.5% QoQ
|
-1.0 |
1.5%
+3.8% YoY
|
0.8%
+19.1% YoY
|
1.2%
+3.4% YoY
|
45% |
| Loan To Share |
60.1%
-1.9% YoY-5.0% QoQ
|
+1.6% |
58.5%
-3.0% YoY
|
69.5%
-0.5% YoY
|
65.6%
-1.4% YoY
|
52% |
| AMR |
$10,782
-2.0% YoY+1.2% QoQ
|
$-4K |
$14,884
-1.7% YoY
|
$16,971
+2.3% YoY
|
$19,920
+1.6% YoY
|
32% |
| CD Concentration |
4.4%
-31.7% YoY-16.1% QoQ
|
-19.9% | 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)