BlastPoint's Credit Union Scorecard
FOUNDERS
Charter #24063 · SC
FOUNDERS has 7 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
- + Emerging Performer: Top 21.2% in tier
- + Organic Growth Engine: Top 26.6% in tier
- + Organic Growth Leader: Top 26.6% in tier
- + ROA 0.43% above tier average
- + Net Interest Margin 1.10% above tier average
- + Strong member growth: 5.4% YoY
- + Fee Income Per Member: Top 8.1% in tier
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 31.2% in tier
- - Liquidity Strain: Bottom 31.8% in tier
- - Credit Quality Pressure: Bottom 51.6% in tier
- - Net Charge-Off Rate: Bottom 5.4% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (SC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
290,408
+5.4% YoY+0.9% QoQ
|
-17.4K |
307,793
+7.6% YoY
|
37,268
+3.6% YoY
|
33,913
+5.7% YoY
|
40% |
| Assets |
$5.2B
+6.5% YoY+1.8% QoQ
|
$-588.8M |
$5.8B
-0.2% YoY
|
$534.3M
+6.5% YoY
|
$578.3M
+9.0% YoY
|
16% |
| Loans |
$4.1B
+7.2% YoY+1.1% QoQ
|
$-80.7M |
$4.2B
+0.4% YoY
|
$369.7M
+7.8% YoY
|
$402.4M
+8.7% YoY
|
43% |
| Deposits |
$4.4B
+5.6% YoY+2.0% QoQ
|
$-472.7M |
$4.9B
+0.2% YoY
|
$450.9M
+6.0% YoY
|
$494.3M
+9.1% YoY
|
16% |
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| ROA |
1.3%
+0.9% YoY-0.3% QoQ
|
+0.4% |
0.9%
+47.0% YoY
|
0.7%
-43.3% YoY
|
0.4%
-39.2% YoY
|
78% |
| NIM |
4.3%
+5.9% YoY-0.7% QoQ
|
+1.1% |
3.2%
+9.8% YoY
|
4.1%
-0.5% YoY
|
3.8%
+4.1% YoY
|
Top 2.7% in tier |
| Efficiency Ratio |
60.4%
+1.2% YoY-4.2% QoQ
|
-6.2% |
66.6%
-11.0% YoY
|
81.4%
+7.0% YoY
|
84.6%
+2.8% YoY
|
22% |
| Delinquency Rate |
0.7%
+2.5% YoY-22.9% QoQ
|
+0.0 |
0.7%
+23.3% YoY
|
0.8%
+19.1% YoY
|
1.2%
+3.4% YoY
|
62% |
| Loan To Share |
92.1%
+1.4% YoY-0.9% QoQ
|
+7.4% |
84.7%
-0.7% YoY
|
69.5%
-0.5% YoY
|
65.6%
-1.4% YoY
|
65% |
| AMR |
$29,259
+0.9% YoY+0.6% QoQ
|
$-3K |
$32,237
-7.3% YoY
|
$16,971
+2.3% YoY
|
$19,920
+1.6% YoY
|
43% |
| CD Concentration |
28.6%
-3.3% YoY-4.7% QoQ
|
-0.1% | 28.6% | 18.0% | 19.8% | 48% |
| Indirect Auto % | 0.0% | -16.4% | 16.4% | 5.9% | 7.7% | Top 9.1% in tier |
Signature Analysis
Strengths (3)
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
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.
Concerns (3)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)