BlastPoint's Credit Union Scorecard
TRINITY BAPTIST CHURCH
Charter #19619 · SC
2596 CUs in <100M nationally
24 in SC
TRINITY BAPTIST CHURCH has 7 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.23% above tier average
- + Total Delinquency Rate (60+ days): Top 0.0% in tier
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Efficiency Ratio: Top 4.5% in tier
- + Net Charge-Off Rate: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - Member decline: -4.0% YoY
- - Total Members: Bottom 4.5% in tier
- - Members Per Employee (MPE): Bottom 6.0% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (SC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
193
-4.0% YoY+1.6% QoQ
|
-2.4K |
2,625
-2.2% YoY
|
37,124
+2.2% YoY
|
33,089
+6.1% YoY
|
Bottom 4.4% in tier |
| Assets |
$2.3M
-4.3% YoY-1.6% QoQ
|
$-27.5M |
$29.9M
+1.1% YoY
|
$514.3M
+4.6% YoY
|
$547.7M
+7.8% YoY
|
Bottom 11.0% in tier |
| Loans |
$809,551
-0.9% YoY-4.9% QoQ
|
$-15.0M |
$15.8M
-2.4% YoY
|
$362.8M
+7.0% YoY
|
$388.7M
+8.6% YoY
|
Bottom 10.1% in tier |
| Deposits |
$1.9M
-6.7% YoY-2.5% QoQ
|
$-23.5M |
$25.5M
+0.4% YoY
|
$433.3M
+6.0% YoY
|
$464.6M
+9.3% YoY
|
Bottom 11.7% in tier |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
Tier 1
50+ financial metrics with peer benchmarks
Performance signatures (strengths & concerns)
AI-generated insights and rankings
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
1.9%
-28.8% YoY+8.0% QoQ
|
+1.2% |
0.7%
-731.4% YoY
|
1.2%
+18.8% YoY
|
0.7%
+273.4% YoY
|
Top 10.5% in tier |
| NIM |
3.5%
-8.1% YoY+2.1% QoQ
|
-0.4% |
3.9%
+3.8% YoY
|
4.3%
+2.6% YoY
|
3.7%
+5.0% YoY
|
36% |
| Efficiency Ratio |
46.6%
+51.7% YoY-5.9% QoQ
|
-34.8% |
81.4%
-2.4% YoY
|
75.1%
-1.9% YoY
|
79.1%
-3.3% YoY
|
Bottom 4.5% in tier |
| Delinquency Rate |
0.0%
-100.0% YoY-100.0% QoQ
|
-1.5 |
1.5%
-2.0% YoY
|
0.9%
+10.3% YoY
|
1.2%
-0.9% YoY
|
Bottom 0.0% in tier |
| Loan To Share |
42.2%
+6.2% YoY-2.5% QoQ
|
-19.1% |
61.2%
-3.0% YoY
|
71.3%
-1.2% YoY
|
68.0%
-1.7% YoY
|
22% |
| AMR |
$14,145
-1.2% YoY-4.7% QoQ
|
$-482 |
$14,627
-2.7% YoY
|
$16,641
+2.9% YoY
|
$19,418
+1.3% YoY
|
53% |
| CD Concentration | 0.0% | -24.4% |
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)
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)
Top Strengths (7 metrics)
1
Total Delinquency Rate (60+ days)
risk
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
119
Efficiency Ratio
profitability
Value:
46.56%
Peer Avg: -
#119 of 2596
Top 4.5% in <100M tier
246
Net Charge-Off Rate
risk
Value:
0.00%
Peer Avg: -
#246 of 2596
Top 9.4% in <100M tier
273
Return on Assets (ROA)
profitability
Value:
1.91%
Peer Avg: -
#273 of 2596
Top 10.5% in <100M tier
Top Weaknesses (10 metrics)
2481
Total Members
engagement
Value:
193
Peer Avg: -
#2481 of 2596
Bottom 4.5% in <100M tier
2442
Members Per Employee (MPE)
engagement
Value:
96.500
Peer Avg: -
#2442 of 2596
Bottom 6.0% in <100M tier
2335
Total Loans
balance_sheet
Value:
$809,551
Peer Avg: -
#2335 of 2596
Bottom 10.1% in <100M tier
2311
Total Assets
balance_sheet
Value:
$2.32M
Peer Avg: -
#2311 of 2596
Bottom 11.0% in <100M tier
2293
Total Deposits
balance_sheet
Value:
$1.92M
Peer Avg: -
#2293 of 2596
Bottom 11.7% in <100M tier
2273
Deposit Growth Rate
growth
Value:
-6.74%
Peer Avg: -
#2273 of 2596
Bottom 12.5% in <100M tier
2186
Fee Income Per Member
profitability
Value:
$6.27
Peer Avg: -
#2186 of 2596
Bottom 15.8% in <100M tier
2179
Asset Growth Rate
growth
Value:
-4.32%
Peer Avg: -
#2179 of 2596
Bottom 16.1% in <100M tier
2032
Loan-to-Share Ratio
balance_sheet
Value:
42.16%
Peer Avg: -
#2032 of 2596
Bottom 21.8% in <100M tier
1987
Member Growth Rate
growth
Value:
-3.98%
Peer Avg: -
#1987 of 2596
Bottom 23.5% in <100M tier