BlastPoint's Credit Union Scorecard
MTC
Charter #22520 · SC
MTC has 5 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 17.4% in tier
- + Net Interest Margin 0.68% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + AMR Growth Rate: Top 6.4% in tier
- + Fee Income Per Member: Top 9.6% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 17.3% in tier
- - Membership Headwinds: Bottom 56.2% in tier
- - Stagnation Risk: Bottom 75.6% in tier
- - ROA 0.54% below tier average
- - Efficiency ratio 10.45% above tier (higher cost structure)
- - Delinquency rate 0.03% above tier average
- - Member decline: -2.3% YoY
- - Members Per Employee (MPE): Bottom 2.4% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (SC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
16,053
-2.3% YoY-0.3% QoQ
|
+615 |
15,437
-2.9% YoY
|
37,100
+2.2% YoY
|
33,374
+5.7% YoY
|
62% |
| Assets |
$295.0M
+8.6% YoY+6.2% QoQ
|
+$63.2M |
$231.9M
+1.3% YoY
|
$523.8M
+6.7% YoY
|
$561.6M
+9.7% YoY
|
72% |
| Loans |
$187.7M
+8.6% YoY+4.4% QoQ
|
+$40.3M |
$147.3M
-0.1% YoY
|
$367.9M
+7.3% YoY
|
$397.0M
+8.8% YoY
|
72% |
| Deposits |
$251.6M
+9.9% YoY+7.3% QoQ
|
+$50.8M |
$200.8M
+0.8% YoY
|
$439.0M
+5.8% YoY
|
$477.3M
+9.7% YoY
|
72% |
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| ROA |
0.2%
+43.0% YoY-15.4% QoQ
|
-0.5% |
0.8%
+18.2% YoY
|
1.0%
+5.1% YoY
|
0.7%
+15.9% YoY
|
Bottom 13.6% in tier |
| NIM |
4.3%
+6.6% YoY-1.7% QoQ
|
+0.7% |
3.6%
+6.7% YoY
|
4.2%
+0.5% YoY
|
3.8%
+5.1% YoY
|
85% |
| Efficiency Ratio |
87.5%
+4.0% YoY+1.0% QoQ
|
+10.4% |
77.0%
-3.1% YoY
|
76.9%
-0.6% YoY
|
79.7%
-3.3% YoY
|
85% |
| Delinquency Rate |
0.9%
-32.5% YoY-18.9% QoQ
|
+0.0 |
0.9%
+4.2% YoY
|
1.0%
+13.3% YoY
|
1.3%
-2.1% YoY
|
64% |
| Loan To Share |
74.6%
-1.1% YoY-2.7% QoQ
|
+2.4% |
72.2%
-1.1% YoY
|
71.5%
-0.9% YoY
|
67.4%
-1.7% YoY
|
52% |
| AMR |
$27,365
+12.0% YoY+6.4% QoQ
|
+$3K |
$24,676
+3.4% YoY
|
$16,782
+2.9% YoY
|
$19,687
+2.0% YoY
|
73% |
| CD Concentration |
30.3%
+22.5% YoY+19.1% QoQ
|
+5.9% | 24.4% | 17.8% | 19.8% | 50% |
| Indirect Auto % |
0.0%
-100.0% YoY
|
-13.8% | 13.8% | 5.9% | 7.8% | 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 shrinking at least 0.5% year-over-year. Declining 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)