BlastPoint's Credit Union Scorecard
FOUNDERS
Charter #24063 · SC
FOUNDERS has 12 strengths but faces 3 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
- + Organic Growth Engine: Top 0.3% in tier
- + Organic Growth Leader: Top 10.2% in tier
- + Profitability Leader: Top 35.1% in tier
- + ROA 0.58% above tier average
- + Net Interest Margin 1.00% above tier average
- + Strong member growth: 5.4% YoY
- + Total Assets: Top 0.0% in tier
- + Total Deposits: Top 2.6% in tier
- + Fee Income Per Member: Top 3.9% in tier
- + Indirect Auto Concentration (%): Top 5.3% in tier
- + Total Loans: Top 6.6% in tier
- + Net Worth Ratio: Top 9.2% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 23.8% in tier
- - Credit Risk Growth: Bottom 25.7% in tier
- - Credit Quality Pressure: Bottom 26.5% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (SC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
285,807
+5.4% YoY+2.7% QoQ
|
+47.3K |
238,465
+0.6% YoY
|
37,124
+2.2% YoY
|
33,089
+6.1% YoY
|
78% |
| Assets |
$5.0B
+3.5% YoY+2.2% QoQ
|
+$1.0B |
$4.0B
-0.1% YoY
|
$514.3M
+4.6% YoY
|
$547.7M
+7.8% YoY
|
Top 1.3% in tier |
| Loans |
$4.0B
+6.0% YoY+2.4% QoQ
|
+$957.4M |
$3.0B
+3.3% YoY
|
$362.8M
+7.0% YoY
|
$388.7M
+8.6% YoY
|
Top 7.9% in tier |
| Deposits |
$4.2B
+5.6% YoY+1.6% QoQ
|
+$908.9M |
$3.3B
+1.1% YoY
|
$433.3M
+6.0% YoY
|
$464.6M
+9.3% YoY
|
Top 3.9% in tier |
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| ROA |
1.3%
+0.8% YoY-0.9% QoQ
|
+0.6% |
0.7%
+5.3% YoY
|
1.2%
+18.8% YoY
|
0.7%
+273.4% YoY
|
Top 11.8% in tier |
| NIM |
4.2%
+10.5% YoY+1.8% QoQ
|
+1.0% |
3.2%
+13.7% YoY
|
4.3%
+2.6% YoY
|
3.7%
+5.0% YoY
|
Top 7.9% in tier |
| Efficiency Ratio |
61.9%
+5.9% YoY+2.1% QoQ
|
-9.3% |
71.3%
-0.6% YoY
|
75.1%
-1.9% YoY
|
79.1%
-3.3% YoY
|
20% |
| Delinquency Rate |
0.8%
+1.2% YoY+10.6% QoQ
|
-0.1 |
0.8%
+15.9% YoY
|
0.9%
+10.3% YoY
|
1.2%
-0.9% YoY
|
63% |
| Loan To Share |
93.7%
+0.4% YoY+0.8% QoQ
|
+2.9% |
90.8%
+2.0% YoY
|
71.3%
-1.2% YoY
|
68.0%
-1.7% YoY
|
55% |
| AMR |
$28,755
+0.4% YoY-0.7% QoQ
|
$-332 |
$29,088
+0.1% YoY
|
$16,641
+2.9% YoY
|
$19,418
+1.3% YoY
|
54% |
| CD Concentration |
29.4%
-4.9% YoY+1.3% QoQ
|
+0.5% |
29.0%
+0.7% YoY
|
17.4%
+3.6% YoY
|
19.6%
+6.2% YoY
|
54% |
| Indirect Auto % |
0.0%
-53.3% YoY-18.2% QoQ
|
-18.8% |
18.8%
-3.0% YoY
|
5.9%
-5.3% YoY
|
7.9%
-2.9% YoY
|
Bottom 11.8% in tier |
Signature Analysis
Strengths (3)
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 (<20%). Healthy, sustainable growth model.
Profitability Leader
growthTop-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.
Concerns (3)
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
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)