BlastPoint's Credit Union Scorecard
S. C. H. D. DIST #7
Charter #18423 · SC
S. C. H. D. DIST #7 has 4 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.22% above tier average
- + Net Interest Margin 0.97% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 3.44% above tier average
- - Share Certificate Concentration (%): Bottom 1.7% in tier
- - Total Delinquency Rate (60+ days): Bottom 6.2% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (SC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
529
+1.1% YoY-2.0% QoQ
|
-2.1K |
2,615
-1.9% YoY
|
37,100
+2.2% YoY
|
33,374
+5.7% YoY
|
Bottom 14.4% in tier |
| Assets |
$4.6M
-0.1% YoY-0.8% QoQ
|
$-25.6M |
$30.1M
+2.1% YoY
|
$523.8M
+6.7% YoY
|
$561.6M
+9.7% YoY
|
18% |
| Loans |
$2.4M
-2.8% YoY-2.3% QoQ
|
$-13.4M |
$15.8M
-1.3% YoY
|
$367.9M
+7.3% YoY
|
$397.0M
+8.8% YoY
|
20% |
| Deposits |
$3.6M
-0.7% YoY-1.4% QoQ
|
$-22.0M |
$25.7M
+1.4% YoY
|
$439.0M
+5.8% YoY
|
$477.3M
+9.7% YoY
|
18% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
0.8%
-27.9% YoY-16.9% QoQ
|
+0.2% |
0.6%
+10.8% YoY
|
1.0%
+5.1% YoY
|
0.7%
+15.9% YoY
|
58% |
| NIM |
4.9%
-1.9% YoY-0.1% QoQ
|
+1.0% |
4.0%
+4.0% YoY
|
4.2%
+0.5% YoY
|
3.8%
+5.1% YoY
|
84% |
| Efficiency Ratio |
77.4%
-6.2% YoY+7.3% QoQ
|
-5.2% |
82.6%
-2.3% YoY
|
76.9%
-0.6% YoY
|
79.7%
-3.3% YoY
|
45% |
| Delinquency Rate |
5.0%
+160.3% YoY+12.5% QoQ
|
+3.4 |
1.6%
-3.1% YoY
|
1.0%
+13.3% YoY
|
1.3%
-2.1% YoY
|
Top 6.2% in tier |
| Loan To Share |
65.0%
-2.2% YoY-0.9% QoQ
|
+4.4% |
60.6%
-3.1% YoY
|
71.5%
-0.9% YoY
|
67.4%
-1.7% YoY
|
56% |
| AMR |
$11,365
-2.6% YoY+0.3% QoQ
|
$-3K |
$14,783
-1.4% YoY
|
$16,782
+2.9% YoY
|
$19,687
+2.0% YoY
|
36% |
| CD Concentration |
57.4%
+0.1% YoY+2.4% QoQ
|
+33.0% | 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)