BlastPoint's Credit Union Scorecard
MTC
Charter #22520 · SC
MTC has 3 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 40.0% in tier
- + Net Interest Margin 0.77% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 7.9% in tier
- - Membership Headwinds: Bottom 11.0% in tier
- - Stagnation Risk: Bottom 17.3% in tier
- - ROA 0.53% below tier average
- - Efficiency ratio 9.33% above tier (higher cost structure)
- - Delinquency rate 0.28% above tier average
- - Member decline: -3.8% YoY
- - Members Per Employee (MPE): Bottom 1.9% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (SC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
16,102
-3.8% YoY-0.1% QoQ
|
+473 |
15,628
-3.4% YoY
|
37,124
+2.2% YoY
|
33,089
+6.1% YoY
|
61% |
| Assets |
$277.7M
-1.2% YoY-1.2% QoQ
|
+$46.4M |
$231.3M
-0.0% YoY
|
$514.3M
+4.6% YoY
|
$547.7M
+7.8% YoY
|
70% |
| Loans |
$179.8M
+6.3% YoY+5.6% QoQ
|
+$32.0M |
$147.8M
-1.4% YoY
|
$362.8M
+7.0% YoY
|
$388.7M
+8.6% YoY
|
70% |
| Deposits |
$234.5M
+2.6% YoY+0.2% QoQ
|
+$34.2M |
$200.3M
-0.0% YoY
|
$433.3M
+6.0% YoY
|
$464.6M
+9.3% YoY
|
67% |
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| ROA |
0.3%
+1.4% YoY+29.1% QoQ
|
-0.5% |
0.8%
+15.5% YoY
|
1.2%
+18.8% YoY
|
0.7%
+273.4% YoY
|
16% |
| NIM |
4.4%
+12.6% YoY+1.4% QoQ
|
+0.8% |
3.6%
+6.9% YoY
|
4.3%
+2.6% YoY
|
3.7%
+5.0% YoY
|
Top 12.4% in tier |
| Efficiency Ratio |
86.6%
+5.5% YoY-0.4% QoQ
|
+9.3% |
77.3%
-3.0% YoY
|
75.1%
-1.9% YoY
|
79.1%
-3.3% YoY
|
82% |
| Delinquency Rate |
1.1%
-4.9% YoY-1.8% QoQ
|
+0.3 |
0.9%
+7.6% YoY
|
0.9%
+10.3% YoY
|
1.2%
-0.9% YoY
|
76% |
| Loan To Share |
76.7%
+3.6% YoY+5.4% QoQ
|
+4.0% |
72.7%
-1.5% YoY
|
71.3%
-1.2% YoY
|
68.0%
-1.7% YoY
|
55% |
| AMR |
$25,725
+8.2% YoY+2.6% QoQ
|
+$1K |
$24,363
+2.9% YoY
|
$16,641
+2.9% YoY
|
$19,418
+1.3% YoY
|
68% |
| CD Concentration |
25.5%
+2.8% YoY+10.6% QoQ
|
+1.1% |
24.4%
+4.2% YoY
|
17.4%
+3.6% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
0.0%
-100.0% YoY
|
-14.0% |
14.0%
-5.7% YoY
|
5.9%
-5.3% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (3)
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Stagnation Risk
riskMembership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.
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)