BlastPoint's Credit Union Scorecard

TRINITY BAPTIST CHURCH

Charter #19619 · SC

<100M
2508 CUs in <100M nationally 24 in SC

TRINITY BAPTIST CHURCH has 1 strength but faces 2 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + ROA 0.83% above tier average

Key Concerns

Areas that may need attention

  • - Total Members: Bottom 4.5% in tier
  • - Members Per Employee (MPE): Bottom 6.0% in tier

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (SC) National Avg Tier Percentile
Members 194
+1.6% YoY0% QoQ
-2.5K 2,676
+1.6% YoY
37,268
+3.6% YoY
33,913
+5.7% YoY
Bottom 4.5% in tier
Assets $2.3M
-4.3% YoY+0.6% QoQ
$-27.9M $30.2M
+1.3% YoY
$534.3M
+6.5% YoY
$578.3M
+9.0% YoY
Bottom 10.4% in tier
Loans $829,104
+0.4% YoY+0.7% QoQ
$-14.5M $15.3M
-2.0% YoY
$369.7M
+7.8% YoY
$402.4M
+8.7% YoY
Bottom 10.1% in tier
Deposits $1.9M
-5.3% YoY+0.4% QoQ
$-23.9M $25.8M
+0.7% YoY
$450.9M
+6.0% YoY
$494.3M
+9.1% YoY
Bottom 11.1% in tier

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Tier 1
50+ financial metrics with peer benchmarks
Performance signatures (strengths & concerns)
AI-generated insights and rankings

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ROA 1.0%
-53.4% YoY-156.4% QoQ
+0.8% 0.1%
-77.6% YoY
0.7%
-43.3% YoY
0.4%
-39.2% YoY
68%
NIM 3.1%
-24.7% YoY-2327.1% QoQ
-0.9% 4.0%
+4.0% YoY
4.1%
-0.5% YoY
3.8%
+4.1% YoY
21%
Efficiency Ratio 69.1%
+39.0% YoY
-21.6% 90.6%
+6.5% YoY
81.4%
+7.0% YoY
84.6%
+2.8% YoY
24%
Delinquency Rate 0.2% -1.3 1.5%
+3.8% YoY
0.8%
+19.1% YoY
1.2%
+3.4% YoY
28%
Loan To Share 43.6%
+6.1% YoY+0.3% QoQ
-14.9% 58.5%
-3.0% YoY
69.5%
-0.5% YoY
65.6%
-1.4% YoY
26%
AMR $14,076
-5.1% YoY+0.5% QoQ
$-809 $14,884
-1.7% YoY
$16,971
+2.3% YoY
$19,920
+1.6% YoY
51%
CD Concentration 0.0% -24.3% 24.3% 18.0% 19.8% 50%
Indirect Auto % 0.0% -13.8% 13.8% 5.9% 7.7% 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)

Comparing against 2508 peers in tier

Top Strengths (6 metrics)

1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Median: 0.00%
#1 of 2508 Top 0.1% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value: 0.00%
Peer Median: 3.66%
#1 of 2508 Top 0.1% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value: 0.00%
Peer Median: 12.45%
#1 of 2508 Top 0.1% in <100M tier
487
Member Growth Rate
growth
Value: 1.57%
Peer Median: -1.37%
#487 of 2508 Top 19.4% in <100M tier
510
Net Charge-Off Rate
risk
Value: 0.00%
Peer Median: 0.07%
#510 of 2508 Top 20.3% in <100M tier
606
Efficiency Ratio
profitability
Value: 69.06%
Peer Median: 81.45%
#606 of 2508 Top 24.1% in <100M tier

Top Weaknesses (10 metrics)

2395
Total Members
engagement
Value: 194
Peer Median: 1,918
#2395 of 2508 Bottom 4.5% in <100M tier
2358
Members Per Employee (MPE)
engagement
Value: 97.000
Peer Median: 333.750
#2358 of 2508 Bottom 6.0% in <100M tier
2255
Total Loans
balance_sheet
Value: $829,104
Peer Median: $9.48M
#2255 of 2508 Bottom 10.1% in <100M tier
2247
Total Assets
balance_sheet
Value: $2.28M
Peer Median: $21.86M
#2247 of 2508 Bottom 10.4% in <100M tier
2229
Total Deposits
balance_sheet
Value: $1.90M
Peer Median: $18.77M
#2229 of 2508 Bottom 11.2% in <100M tier
2089
AMR Growth Rate
growth
Value: -5.14%
Peer Median: 1.27%
#2089 of 2508 Bottom 16.7% in <100M tier
2088
Asset Growth Rate
growth
Value: -4.32%
Peer Median: 1.30%
#2088 of 2508 Bottom 16.8% in <100M tier
2086
Deposit Growth Rate
growth
Value: -5.33%
Peer Median: 0.66%
#2086 of 2508 Bottom 16.9% in <100M tier
2061
Fee Income Per Member
profitability
Value: $8.31
Peer Median: $60.42
#2061 of 2508 Bottom 17.9% in <100M tier
1990
Net Interest Margin (NIM)
profitability
Value: 3.08%
Peer Median: 3.83%
#1990 of 2508 Bottom 20.7% in <100M tier
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