BlastPoint's Credit Union Scorecard
CPM
Charter #21971 · SC
CPM has 5 strengths but faces 8 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
- + Wallet Share Momentum: Top 11.9% in tier
- + Organic Growth Leader: Top 24.1% in tier
- + Organic Growth Engine: Top 24.1% in tier
- + Deposit Growth Rate: Top 5.4% in tier
- + Asset Growth Rate: Top 6.3% in tier
Key Concerns
Areas that may need attention
- - ROA 0.72% below tier average
- - Efficiency ratio 0.35% above tier (higher cost structure)
- - Delinquency rate 1.13% above tier average
- - Total Assets: Bottom 1.8% in tier
- - Net Charge-Off Rate: Bottom 2.7% in tier
- - Total Delinquency Rate (60+ days): Bottom 4.5% in tier
- - Loan-to-Member Ratio (LMR): Bottom 5.4% in tier
- - Average Member Relationship (AMR): Bottom 6.3% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 111 credit unions with $750M-$1B in assets nationally, and 1 of 2 that size in South Carolina.
- Shares and deposits +14.3% year over year ($688M in shares and deposits).
- Membership: 67,624 members, +2.7% vs a year ago.
- Delinquency rate 1.92%.
- Return on assets 0.12%.
- Efficiency ratio 74.89% vs a 74.54% peer average.
- Loan-to-share ratio 73.56% vs a 82.60% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (SC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
67,624
+2.7% YoY+1.0% QoQ
|
+15.1K |
52,482
+1.3% YoY
|
38,222
+5.6% YoY
|
34,678
+6.6% YoY
|
Top 14.4% in tier |
| Assets |
$759.3M
+12.8% YoY+2.3% QoQ
|
$-104.6M |
$863.9M
+0.5% YoY
|
$548.9M
+9.6% YoY
|
$593.1M
+10.2% YoY
|
Bottom 0.9% in tier |
| Loans |
$506.1M
+9.1% YoY+5.3% QoQ
|
$-101.7M |
$607.8M
+2.1% YoY
|
$385.7M
+10.8% YoY
|
$418.6M
+10.1% YoY
|
17% |
| Deposits |
$688.0M
+14.3% YoY+2.7% QoQ
|
$-51.9M |
$739.9M
+0.2% YoY
|
$462.6M
+9.2% YoY
|
$504.8M
+10.3% YoY
|
22% |
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| ROA |
0.1%
-82.6% YoY-90.2% QoQ
|
-0.7% |
0.8%
+30.4% YoY
|
0.9%
-19.6% YoY
|
1.2%
+121.4% YoY
|
Bottom 2.7% in tier |
| NIM |
3.3%
-4.8% YoY-0.5% QoQ
|
-0.2% |
3.5%
+6.2% YoY
|
4.2%
-1.3% YoY
|
3.8%
+2.3% YoY
|
33% |
| Efficiency Ratio |
74.9%
-7.6% YoY+0.7% QoQ
|
+0.4% |
74.5%
-1.4% YoY
|
79.7%
+5.8% YoY
|
83.0%
-5.3% YoY
|
45% |
| Delinquency Rate |
1.9%
-16.7% YoY+74.5% QoQ
|
+1.1 |
0.8%
+1.0% YoY
|
1.1%
+14.2% YoY
|
1.3%
+2.6% YoY
|
Bottom 4.5% in tier |
| Loan To Share |
73.6%
-4.5% YoY+2.5% QoQ
|
-9.0% |
82.6%
+1.9% YoY
|
70.2%
-0.9% YoY
|
66.4%
-1.4% YoY
|
22% |
| AMR |
$17,658
+9.1% YoY+2.8% QoQ
|
$-11K |
$28,702
+0.4% YoY
|
$17,221
+4.1% YoY
|
$20,028
-0.9% YoY
|
Bottom 5.4% in tier |
| CD Concentration |
24.6%
+43.2% YoY+6.3% QoQ
|
+0.0% | 24.6% | 18.3% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 6.0% | 7.7% | Top 0.1% in tier |
Signature Analysis
Strengths (3)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
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)