BlastPoint's Credit Union Scorecard
S. C. H. D. DIST #7
Charter #18423 · SC
S. C. H. D. DIST #7 has 1 strength but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.38% above tier average
Key Concerns
Areas that may need attention
- - ROA 0.72% below tier average
- - Delinquency rate 5.96% above tier average
- - Share Certificate Concentration (%): Bottom 1.6% in tier
- - Total Delinquency Rate (60+ days): Bottom 3.6% in tier
- - Net Charge-Off Rate: Bottom 4.9% in tier
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 +6.5% year over year ($4.0M in shares and deposits).
- Membership: 540 members, +0.9% vs a year ago.
- Delinquency rate 7.50%.
- Return on assets 0.77%.
- Efficiency ratio 84.38% vs a 88.77% peer average.
- Loan-to-share ratio 56.20% 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 |
540
+0.9% YoY+1.1% QoQ
|
-2.0K |
2,585
-1.7% YoY
|
38,222
+5.6% YoY
|
34,678
+6.6% YoY
|
Bottom 14.9% in tier |
| Assets |
$4.9M
+5.0% YoY+3.0% QoQ
|
$-25.3M |
$30.3M
+1.5% YoY
|
$548.9M
+9.6% YoY
|
$593.1M
+10.2% YoY
|
18% |
| Loans |
$2.3M
-4.1% YoY-1.0% QoQ
|
$-13.2M |
$15.5M
-1.7% YoY
|
$385.7M
+10.8% YoY
|
$418.6M
+10.1% YoY
|
19% |
| Deposits |
$4.0M
+6.5% YoY+4.1% QoQ
|
$-21.8M |
$25.8M
+1.1% YoY
|
$462.6M
+9.2% YoY
|
$504.8M
+10.3% YoY
|
18% |
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| ROA |
0.8%
-34.4% YoY+50.9% QoQ
|
-0.7% |
1.5%
+241.5% YoY
|
0.9%
-19.6% YoY
|
1.2%
+121.4% YoY
|
48% |
| NIM |
4.3%
-10.1% YoY+2.1% QoQ
|
+0.4% |
3.9%
+0.9% YoY
|
4.2%
-1.3% YoY
|
3.8%
+2.3% YoY
|
68% |
| Efficiency Ratio |
84.4%
+10.2% YoY-4.4% QoQ
|
-4.4% |
88.8%
-6.9% YoY
|
79.7%
+5.8% YoY
|
83.0%
-5.3% YoY
|
59% |
| Delinquency Rate |
7.5%
+544.9% YoY+67.5% QoQ
|
+6.0 |
1.5%
+2.1% YoY
|
1.1%
+14.2% YoY
|
1.3%
+2.6% YoY
|
Bottom 3.6% in tier |
| Loan To Share |
56.2%
-9.9% YoY-4.9% QoQ
|
-2.7% |
58.9%
-3.1% YoY
|
70.2%
-0.9% YoY
|
66.4%
-1.4% YoY
|
46% |
| AMR |
$11,606
+1.5% YoY+1.1% QoQ
|
$-3K |
$14,963
-6.8% YoY
|
$17,221
+4.1% YoY
|
$20,028
-0.9% YoY
|
36% |
| CD Concentration |
59.2%
+7.2% YoY-3.9% QoQ
|
+34.6% | 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)