BlastPoint's Credit Union Scorecard
FOUNDERS
Charter #24063 · SC
FOUNDERS has 7 strengths but faces 1 concern
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 15.2% in tier
- + Organic Growth Engine: Top 20.3% in tier
- + Organic Growth Leader: Top 20.3% in tier
- + ROA 0.50% above tier average
- + Net Interest Margin 1.15% above tier average
- + Strong member growth: 5.7% YoY
- + Fee Income Per Member: Top 7.7% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 31.8% 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 39 credit unions with $5B-$7B in assets nationally, and 1 of 1 that size in South Carolina.
- Shares and deposits +5.8% year over year ($4.42B in shares and deposits).
- Membership: 294,048 members, +5.7% vs a year ago.
- Delinquency rate 0.68%.
- Return on assets 1.43%.
- Efficiency ratio 60.03% vs a 65.18% peer average.
- Loan-to-share ratio 94.23% vs a 85.64% 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 |
294,048
+5.7% YoY+1.3% QoQ
|
-16.9K |
310,918
+6.0% YoY
|
38,222
+5.6% YoY
|
34,678
+6.6% YoY
|
38% |
| Assets |
$5.2B
+6.7% YoY+0.5% QoQ
|
$-585.2M |
$5.8B
-1.1% YoY
|
$548.9M
+9.6% YoY
|
$593.1M
+10.2% YoY
|
18% |
| Loans |
$4.2B
+7.3% YoY+2.2% QoQ
|
$-35.3M |
$4.2B
-0.7% YoY
|
$385.7M
+10.8% YoY
|
$418.6M
+10.1% YoY
|
46% |
| Deposits |
$4.4B
+5.8% YoY-0.1% QoQ
|
$-475.0M |
$4.9B
-1.3% YoY
|
$462.6M
+9.2% YoY
|
$504.8M
+10.3% YoY
|
18% |
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| ROA |
1.4%
+6.8% YoY+10.9% QoQ
|
+0.5% |
0.9%
+35.3% YoY
|
0.9%
-19.6% YoY
|
1.2%
+121.4% YoY
|
85% |
| NIM |
4.4%
+5.4% YoY+2.4% QoQ
|
+1.2% |
3.2%
+9.5% YoY
|
4.2%
-1.3% YoY
|
3.8%
+2.3% YoY
|
Top 2.6% in tier |
| Efficiency Ratio |
60.0%
-1.0% YoY-0.6% QoQ
|
-5.1% |
65.2%
-9.0% YoY
|
79.7%
+5.8% YoY
|
83.0%
-5.3% YoY
|
26% |
| Delinquency Rate |
0.7%
-2.6% YoY-1.9% QoQ
|
-0.1 |
0.8%
+23.8% YoY
|
1.1%
+14.2% YoY
|
1.3%
+2.6% YoY
|
51% |
| Loan To Share |
94.2%
+1.4% YoY+2.3% QoQ
|
+8.6% |
85.6%
-0.2% YoY
|
70.2%
-0.9% YoY
|
66.4%
-1.4% YoY
|
67% |
| AMR |
$29,195
+0.8% YoY-0.2% QoQ
|
$-3K |
$32,010
-7.3% YoY
|
$17,221
+4.1% YoY
|
$20,028
-0.9% YoY
|
44% |
| CD Concentration |
28.3%
-2.7% YoY-1.1% QoQ
|
-0.1% | 28.3% | 18.3% | 20.0% | 47% |
| Indirect Auto % | 0.0% | -16.8% | 16.8% | 6.0% | 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 (1)
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
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)