BlastPoint's Credit Union Scorecard
MTC
Charter #22520 · SC
MTC has 6 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 50.0% in tier
- + Net Interest Margin 0.40% above tier average
- + AMR Growth Rate: Top 4.2% in tier
- + Loan Growth Rate: Top 4.9% in tier
- + Deposit Growth Rate: Top 6.5% in tier
- + Fee Income Per Member: Top 7.1% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 50.0% in tier
- - ROA 0.73% below tier average
- - Efficiency ratio 12.79% above tier (higher cost structure)
- - Members Per Employee (MPE): Bottom 3.0% 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 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 9 that size in South Carolina.
- Shares and deposits +10.8% year over year ($259M in shares and deposits).
- Membership: 16,069 members, -0.3% vs a year ago.
- Delinquency rate 0.90%.
- Return on assets 0.13%.
- Efficiency ratio 89.53% vs a 76.73% peer average.
- Loan-to-share ratio 76.95% vs a 71.54% 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 |
16,069
-0.3% YoY+0.5% QoQ
|
+900 |
15,168
-2.6% YoY
|
38,222
+5.6% YoY
|
34,678
+6.6% YoY
|
63% |
| Assets |
$302.6M
+7.6% YoY+0.9% QoQ
|
+$70.6M |
$232.0M
+0.7% YoY
|
$548.9M
+9.6% YoY
|
$593.1M
+10.2% YoY
|
74% |
| Loans |
$199.5M
+17.3% YoY+3.4% QoQ
|
+$53.3M |
$146.3M
+0.2% YoY
|
$385.7M
+10.8% YoY
|
$418.6M
+10.1% YoY
|
75% |
| Deposits |
$259.3M
+10.8% YoY+1.1% QoQ
|
+$58.6M |
$200.7M
+0.2% YoY
|
$462.6M
+9.2% YoY
|
$504.8M
+10.3% YoY
|
73% |
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| ROA |
0.1%
-35.0% YoY+126.4% QoQ
|
-0.7% |
0.9%
+12.5% YoY
|
0.9%
-19.6% YoY
|
1.2%
+121.4% YoY
|
Bottom 5.0% in tier |
| NIM |
4.1%
-4.9% YoY+0.7% QoQ
|
+0.4% |
3.7%
+4.5% YoY
|
4.2%
-1.3% YoY
|
3.8%
+2.3% YoY
|
74% |
| Efficiency Ratio |
89.5%
+2.9% YoY-1.3% QoQ
|
+12.8% |
76.7%
-0.8% YoY
|
79.7%
+5.8% YoY
|
83.0%
-5.3% YoY
|
Bottom 12.2% in tier |
| Delinquency Rate |
0.9%
-22.4% YoY-2.1% QoQ
|
+0.0 |
0.9%
+6.6% YoY
|
1.1%
+14.2% YoY
|
1.3%
+2.6% YoY
|
64% |
| Loan To Share |
76.9%
+5.8% YoY+2.2% QoQ
|
+5.4% |
71.5%
-0.3% YoY
|
70.2%
-0.9% YoY
|
66.4%
-1.4% YoY
|
57% |
| AMR |
$28,557
+13.9% YoY+1.6% QoQ
|
+$3K |
$25,107
+3.2% YoY
|
$17,221
+4.1% YoY
|
$20,028
-0.9% YoY
|
76% |
| CD Concentration |
29.1%
+26.4% YoY-4.7% QoQ
|
+4.6% | 24.6% | 18.3% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 6.0% | 7.7% | 50% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (1)
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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)