BlastPoint's Credit Union Scorecard
CPM
Charter #21971 · SC
CPM has 6 strengths but faces 7 concerns
How does the industry compare?
What's your peer group doing?
How does SC stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Leader: Top 42.8% in tier
- + Organic Growth Engine: Top 43.4% in tier
- + Wallet Share Momentum: Top 94.3% in tier
- + Net Interest Margin 0.09% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Total Members: Top 2.4% in tier
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 5.7% in tier
- - Credit Quality Pressure: Bottom 7.1% in tier
- - ROA 0.02% below tier average
- - Delinquency rate 1.34% above tier average
- - Total Delinquency Rate (60+ days): Bottom 3.6% in tier
- - Average Member Relationship (AMR): Bottom 4.8% in tier
- - Loan-to-Member Ratio (LMR): Bottom 6.7% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (SC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
66,353
+3.0% YoY-0.1% QoQ
|
+27.8K |
38,575
-4.8% YoY
|
37,100
+2.2% YoY
|
33,374
+5.7% YoY
|
Top 3.0% in tier |
| Assets |
$701.5M
+6.9% YoY+3.1% QoQ
|
+$79.8M |
$621.7M
+0.1% YoY
|
$523.8M
+6.7% YoY
|
$561.6M
+9.7% YoY
|
80% |
| Loans |
$479.0M
+10.1% YoY+1.5% QoQ
|
+$49.2M |
$429.8M
-1.8% YoY
|
$367.9M
+7.3% YoY
|
$397.0M
+8.8% YoY
|
70% |
| Deposits |
$630.9M
+7.1% YoY+3.5% QoQ
|
+$92.2M |
$538.7M
+0.6% YoY
|
$439.0M
+5.8% YoY
|
$477.3M
+9.7% YoY
|
Top 10.9% in tier |
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| ROA |
0.6%
-13.2% YoY-2.6% QoQ
|
-0.0% |
0.7%
+42.9% YoY
|
1.0%
+5.1% YoY
|
0.7%
+15.9% YoY
|
53% |
| NIM |
3.5%
+10.2% YoY-0.8% QoQ
|
+0.1% |
3.4%
+8.0% YoY
|
4.2%
+0.5% YoY
|
3.8%
+5.1% YoY
|
58% |
| Efficiency Ratio |
77.3%
-6.5% YoY-0.3% QoQ
|
-0.2% |
77.5%
-4.1% YoY
|
76.9%
-0.6% YoY
|
79.7%
-3.3% YoY
|
44% |
| Delinquency Rate |
2.2%
+68.6% YoY-2.5% QoQ
|
+1.3 |
0.8%
-1.1% YoY
|
1.0%
+13.3% YoY
|
1.3%
-2.1% YoY
|
Top 3.6% in tier |
| Loan To Share |
75.9%
+2.8% YoY-1.9% QoQ
|
-3.9% |
79.8%
-2.3% YoY
|
71.5%
-0.9% YoY
|
67.4%
-1.7% YoY
|
32% |
| AMR |
$16,727
+5.2% YoY+2.7% QoQ
|
$-10K |
$26,849
+2.7% YoY
|
$16,782
+2.9% YoY
|
$19,687
+2.0% YoY
|
Bottom 4.2% in tier |
| CD Concentration |
21.8%
+16.1% YoY+15.4% QoQ
|
-2.6% | 24.4% | 17.8% | 19.8% | 41% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 5.9% | 7.8% | Bottom 0.0% in tier |
Signature Analysis
Strengths (3)
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (2)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)