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 0.34% above tier average
- + Net Interest Margin 0.99% 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 2.93% above tier average
- - Share Certificate Concentration (%): Bottom 2.0% in tier
- - Total Delinquency Rate (60+ days): Bottom 7.2% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (SC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
540
+1.9% YoY+0.9% QoQ
|
-2.1K |
2,625
-2.2% YoY
|
37,124
+2.2% YoY
|
33,089
+6.1% YoY
|
Bottom 14.9% in tier |
| Assets |
$4.6M
+2.6% YoY-1.6% QoQ
|
$-25.2M |
$29.9M
+1.1% YoY
|
$514.3M
+4.6% YoY
|
$547.7M
+7.8% YoY
|
18% |
| Loans |
$2.4M
+1.7% YoY+3.1% QoQ
|
$-13.3M |
$15.8M
-2.4% YoY
|
$362.8M
+7.0% YoY
|
$388.7M
+8.6% YoY
|
20% |
| Deposits |
$3.7M
+2.8% YoY-1.9% QoQ
|
$-21.8M |
$25.5M
+0.4% YoY
|
$433.3M
+6.0% YoY
|
$464.6M
+9.3% YoY
|
18% |
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| ROA |
1.0%
-37.6% YoY-13.4% QoQ
|
+0.3% |
0.7%
-731.4% YoY
|
1.2%
+18.8% YoY
|
0.7%
+273.4% YoY
|
62% |
| NIM |
4.9%
-0.2% YoY+3.5% QoQ
|
+1.0% |
3.9%
+3.8% YoY
|
4.3%
+2.6% YoY
|
3.7%
+5.0% YoY
|
84% |
| Efficiency Ratio |
72.1%
-8.4% YoY-5.9% QoQ
|
-9.3% |
81.4%
-2.4% YoY
|
75.1%
-1.9% YoY
|
79.1%
-3.3% YoY
|
36% |
| Delinquency Rate |
4.4%
+325.1% YoY+281.8% QoQ
|
+2.9 |
1.5%
-2.0% YoY
|
0.9%
+10.3% YoY
|
1.2%
-0.9% YoY
|
Top 7.2% in tier |
| Loan To Share |
65.6%
-1.1% YoY+5.1% QoQ
|
+4.4% |
61.2%
-3.0% YoY
|
71.3%
-1.2% YoY
|
68.0%
-1.7% YoY
|
56% |
| AMR |
$11,330
+0.5% YoY-0.9% QoQ
|
$-3K |
$14,627
-2.7% YoY
|
$16,641
+2.9% YoY
|
$19,418
+1.3% YoY
|
36% |
| CD Concentration |
56.1%
+9.0% YoY+1.6% QoQ
|
+31.7% |
24.4%
+4.2% YoY
|
17.4%
+3.6% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
5.9%
-5.3% YoY
|
7.9%
-2.9% YoY
|
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)