BlastPoint's Credit Union Scorecard
CPM
Charter #21971 · SC
CPM has 8 strengths but faces 4 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 Engine: Top 22.6% in tier
- + Organic Growth Leader: Top 22.6% in tier
- + Wallet Share Momentum: Top 35.0% in tier
- + ROA 0.53% above tier average
- + Total Deposits: Top 1.8% in tier
- + Total Assets: Top 2.4% in tier
- + Total Members: Top 2.4% in tier
- + Fee Income Per Member: Top 7.2% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 0.40% above tier average
- - Net Charge-Off Rate: Bottom 0.6% in tier
- - Average Member Relationship (AMR): Bottom 5.4% in tier
- - Loan-to-Member Ratio (LMR): Bottom 7.8% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (SC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
66,965
+2.8% YoY+0.9% QoQ
|
+28.9K |
38,079
-4.8% YoY
|
37,268
+3.6% YoY
|
33,913
+5.7% YoY
|
Top 3.0% in tier |
| Assets |
$742.0M
+8.7% YoY+5.8% QoQ
|
+$122.3M |
$619.7M
-0.2% YoY
|
$534.3M
+6.5% YoY
|
$578.3M
+9.0% YoY
|
Top 3.0% in tier |
| Loans |
$480.7M
+6.8% YoY+0.3% QoQ
|
+$61.3M |
$419.3M
-1.4% YoY
|
$369.7M
+7.8% YoY
|
$402.4M
+8.7% YoY
|
74% |
| Deposits |
$669.6M
+9.2% YoY+6.1% QoQ
|
+$130.1M |
$539.5M
-0.1% YoY
|
$450.9M
+6.0% YoY
|
$494.3M
+9.1% YoY
|
Top 2.4% in tier |
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| ROA |
1.2%
+128.1% YoY+90.6% QoQ
|
+0.5% |
0.7%
+36.0% YoY
|
0.7%
-43.3% YoY
|
0.4%
-39.2% YoY
|
84% |
| NIM |
3.3%
-1.2% YoY-6.0% QoQ
|
-0.1% |
3.5%
+4.5% YoY
|
4.1%
-0.5% YoY
|
3.8%
+4.1% YoY
|
39% |
| Efficiency Ratio |
74.3%
-8.6% YoY-3.8% QoQ
|
-4.1% |
78.4%
-3.7% YoY
|
81.4%
+7.0% YoY
|
84.6%
+2.8% YoY
|
28% |
| Delinquency Rate |
1.1%
-3.2% YoY-49.4% QoQ
|
+0.4 |
0.7%
-0.9% YoY
|
0.8%
+19.1% YoY
|
1.2%
+3.4% YoY
|
81% |
| Loan To Share |
71.8%
-2.2% YoY-5.5% QoQ
|
-5.9% |
77.7%
-1.2% YoY
|
69.5%
-0.5% YoY
|
65.6%
-1.4% YoY
|
28% |
| AMR |
$17,177
+5.2% YoY+2.7% QoQ
|
$-10K |
$26,927
+3.1% YoY
|
$16,971
+2.3% YoY
|
$19,920
+1.6% YoY
|
Bottom 4.8% in tier |
| CD Concentration |
23.1%
+33.0% YoY+5.9% QoQ
|
-1.2% | 24.3% | 18.0% | 19.8% | 46% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 5.9% | 7.7% | Top 0.1% in tier |
Signature Analysis
Strengths (3)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
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)