BlastPoint's Credit Union Scorecard
TRINITY BAPTIST CHURCH
Charter #19619 · SC
2556 CUs in <100M nationally
24 in SC
TRINITY BAPTIST CHURCH has 5 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + 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
- + Net Charge-Off Rate: Top 8.1% in tier
Key Concerns
Areas that may need attention
- - ROA 2.35% below tier average
- - Efficiency Ratio: Bottom 0.0% in tier
- - Net Interest Margin (NIM): Bottom 0.2% in tier
- - Total Members: Bottom 4.6% in tier
- - Members Per Employee (MPE): Bottom 5.9% in tier
- - Total Loans: Bottom 9.8% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (SC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
194
+2.1% YoY+0.5% QoQ
|
-2.4K |
2,615
-1.9% YoY
|
37,100
+2.2% YoY
|
33,374
+5.7% YoY
|
Bottom 4.4% in tier |
| Assets |
$2.3M
-5.9% YoY-2.1% QoQ
|
$-27.9M |
$30.1M
+2.1% YoY
|
$523.8M
+6.7% YoY
|
$561.6M
+9.7% YoY
|
Bottom 10.4% in tier |
| Loans |
$823,408
+6.3% YoY+1.7% QoQ
|
$-14.9M |
$15.8M
-1.3% YoY
|
$367.9M
+7.3% YoY
|
$397.0M
+8.8% YoY
|
Bottom 9.8% in tier |
| Deposits |
$1.9M
-7.5% YoY-1.4% QoQ
|
$-23.8M |
$25.7M
+1.4% YoY
|
$439.0M
+5.8% YoY
|
$477.3M
+9.7% YoY
|
Bottom 11.1% 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 |
-1.7%
-217.1% YoY-190.4% QoQ
|
-2.4% |
0.6%
+10.8% YoY
|
1.0%
+5.1% YoY
|
0.7%
+15.9% YoY
|
Bottom 3.6% in tier |
| NIM |
-0.1%
-104.4% YoY-103.9% QoQ
|
-4.1% |
4.0%
+4.0% YoY
|
4.2%
+0.5% YoY
|
3.8%
+5.1% YoY
|
Bottom 0.1% in tier |
| Efficiency Ratio | - | - |
82.6%
-2.3% YoY
|
76.9%
-0.6% YoY
|
79.7%
-3.3% YoY
|
- |
| Delinquency Rate | 0.0% | -1.6 |
1.6%
-3.1% YoY
|
1.0%
+13.3% YoY
|
1.3%
-2.1% YoY
|
Bottom 0.0% in tier |
| Loan To Share |
43.5%
+15.0% YoY+3.2% QoQ
|
-17.1% |
60.6%
-3.1% YoY
|
71.5%
-0.9% YoY
|
67.4%
-1.7% YoY
|
24% |
| AMR |
$14,004
-5.7% YoY-1.0% QoQ
|
$-778 |
$14,783
-1.4% YoY
|
$16,782
+2.9% YoY
|
$19,687
+2.0% YoY
|
51% |
| CD Concentration | 0.0% | -24.4% | 24.4% | 17.8% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 5.9% | 7.8% | 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 Median: -
#1 of 2556
Top 0.0% in <100M tier
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
208
Net Charge-Off Rate
risk
Value:
0.00%
Peer Median: -
#208 of 2556
Top 8.1% in <100M tier
394
Member Growth Rate
growth
Value:
2.11%
Peer Median: -
#394 of 2556
Top 15.4% in <100M tier
453
Loan Growth Rate
growth
Value:
6.33%
Peer Median: -
#453 of 2556
Top 17.7% in <100M tier
Top Weaknesses (13 metrics)
2556
Efficiency Ratio
profitability
Value:
-
Peer Median: -
#2556 of 2556
Bottom 0.0% in <100M tier
2553
Net Interest Margin (NIM)
profitability
Value:
-0.14%
Peer Median: -
#2553 of 2556
Bottom 0.2% in <100M tier
2465
Return on Assets (ROA)
profitability
Value:
-1.73%
Peer Median: -
#2465 of 2556
Bottom 3.6% in <100M tier
2440
Total Members
engagement
Value:
194
Peer Median: -
#2440 of 2556
Bottom 4.6% in <100M tier
2406
Members Per Employee (MPE)
engagement
Value:
97.000
Peer Median: -
#2406 of 2556
Bottom 5.9% in <100M tier
2306
Total Loans
balance_sheet
Value:
$823,408
Peer Median: -
#2306 of 2556
Bottom 9.8% in <100M tier
2289
Total Assets
balance_sheet
Value:
$2.27M
Peer Median: -
#2289 of 2556
Bottom 10.5% in <100M tier
2272
Deposit Growth Rate
growth
Value:
-7.52%
Peer Median: -
#2272 of 2556
Bottom 11.2% in <100M tier
2272
Total Deposits
balance_sheet
Value:
$1.89M
Peer Median: -
#2272 of 2556
Bottom 11.2% in <100M tier
2268
Asset Growth Rate
growth
Value:
-5.89%
Peer Median: -
#2268 of 2556
Bottom 11.3% in <100M tier