BlastPoint's Credit Union Scorecard

CARO

Charter #24404 · SC

100M-500M

1024 CUs in 100M-500M nationally 9 in SC

CARO has 8 strengths but faces 7 concerns

National Analysis

How does the industry compare?

SC Analysis

How does SC stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Organic Growth Leader: Top 50.0% in tier
+ Organic Growth Engine: Top 50.0% in tier
+ Net Interest Margin 0.79% above tier average
+ Strong member growth: 45.5% YoY
+ Member Growth Rate: Top 0.2% in tier
+ Deposit Growth Rate: Top 0.3% in tier
+ Asset Growth Rate: Top 0.5% in tier
+ Loan Growth Rate: Top 1.8% in tier

Key Concerns

Areas that may need attention

- Shrinking Wallet Share: Bottom 50.0% in tier
- Credit Risk Growth: Bottom 50.0% in tier
- Efficiency Drag: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- ROA 0.53% below tier average
- Efficiency ratio 16.72% above tier (higher cost structure)
- AMR Growth Rate: Bottom 3.7% 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 +47.0% year over year ($150M in shares and deposits).
Membership: 10,586 members, +45.5% vs a year ago.
Delinquency rate 0.88%.
Return on assets 0.34%.
Efficiency ratio 93.46% vs a 76.73% peer average.
Loan-to-share ratio 73.40% 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	10,586 +45.5% YoY-0.6% QoQ	-4.6K	15,168 -2.6% YoY	38,222 +5.6% YoY	34,678 +6.6% YoY	35%
Assets	$174.9M +38.8% YoY+12.1% QoQ	$-57.1M	$232.0M +0.7% YoY	$548.9M +9.6% YoY	$593.1M +10.2% YoY	41%
Loans	$109.9M +25.1% YoY+21.5% QoQ	$-36.4M	$146.3M +0.2% YoY	$385.7M +10.8% YoY	$418.6M +10.1% YoY	41%
Deposits	$149.7M +47.0% YoY+11.1% QoQ	$-51.0M	$200.7M +0.2% YoY	$462.6M +9.2% YoY	$504.8M +10.3% YoY	40%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.3% -43.8% YoY+19.6% QoQ	-0.5%	0.9% +12.5% YoY	0.9% -19.6% YoY	1.2% +121.4% YoY	17%
NIM	4.5% +1.4% YoY+7.9% QoQ	+0.8%	3.7% +4.5% YoY	4.2% -1.3% YoY	3.8% +2.3% YoY	Top 11.3% in tier
Efficiency Ratio	93.5% +10.6% YoY+0.2% QoQ	+16.7%	76.7% -0.8% YoY	79.7% +5.8% YoY	83.0% -5.3% YoY	Bottom 5.8% in tier
Delinquency Rate	0.9% +9.2% YoY+11.0% QoQ	+0.0	0.9% +6.6% YoY	1.1% +14.2% YoY	1.3% +2.6% YoY	62%
Loan To Share	73.4% -14.9% YoY+9.4% QoQ	+1.9%	71.5% -0.3% YoY	70.2% -0.9% YoY	66.4% -1.4% YoY	51%
AMR	$24,521 -5.9% YoY+16.0% QoQ	$-585	$25,107 +3.2% YoY	$17,221 +4.1% YoY	$20,028 -0.9% YoY	58%
CD Concentration	6.8% +82.8% YoY+44.4% QoQ	-17.8%	24.6%	18.3%	20.0%	50%
Indirect Auto %	0.0%	-13.6%	13.6%	6.0%	7.7%	50%

Signature Analysis

Strengths (2)

Organic Growth Leader

growth

#1 of 342 • Top 50.0% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 45.49%

(Tier: 0.46%, National: 15.67%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.63%, National: 7.71%)

better than tier avg

342 of 1024 Mid-Small & Community CUs have this signature | 485 nationally

↓ Shrinking -91 CUs YoY | New qualifier

Organic Growth Engine

growth

#85 of 344 • Top 50.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 45.49%

(Tier: 0.46%, National: 15.67%)

better than tier avg

Return on Assets: 0.34%

(Tier: 0.85%, National: 1.23%)

but worse than tier avg

Indirect Auto %: 0.00%

(Tier: 13.63%, National: 7.71%)

better than tier avg

344 of 1024 Mid-Small & Community CUs have this signature | 490 nationally

↓ Shrinking -271 CUs YoY | New qualifier

Concerns (4)

Shrinking Wallet Share

decline

#44 of 223 • Bottom 50.0% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature

AMR Growth (YoY): -5.92%

(Tier: 3.97%, National: 35.20%)

worse than tier avg

223 of 1024 Mid-Small & Community CUs have this signature | 308 nationally

↓ Shrinking -61 CUs YoY | New qualifier

Credit Risk Growth

risk

#140 of 472 • Bottom 50.0% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 25.12%

(Tier: 4.13%, National: 78.26%)

but better than tier avg

Delinquency Change (YoY): 0.07% points

(Tier: 0.04% points, National: 0.08% points)

worse than tier avg

472 of 1024 Mid-Small & Community CUs have this signature | 688 nationally

↑ Growing +32 CUs YoY | New qualifier

Efficiency Drag

risk

#283 of 531 • Bottom 50.0% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 93.46%

(Tier: 76.58%, National: 82.97%)

worse than tier avg

ROA Change (YoY): -0.26% points

(Tier: 0.10% points, National: 0.47% points)

worse than tier avg

Member Growth (YoY): 45.49%

(Tier: 0.46%, National: 15.67%)

but better than tier avg

531 of 1024 Mid-Small & Community CUs have this signature | 608 nationally

↓ Shrinking -37 CUs YoY | Rank worsening

Credit Quality Pressure

risk

#535 of 693 • Bottom 50.0% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.07% points

(Tier: 0.04% points, National: 0.08% points)

worse than tier avg

693 of 1024 Mid-Small & Community CUs have this signature | 962 nationally

↓ Shrinking -83 CUs YoY | Rank worsening

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)

Compare against:

Comparing against 1024 peers in tier

Top Strengths (10 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 6.15%

#1 of 1024 Top 0.1% in 100M-500M tier

Member Growth Rate

growth

Value: 45.49%

Peer Median: -0.03%

#3 of 1024 Top 0.2% in 100M-500M tier

Deposit Growth Rate

growth

Value: 47.02%

Peer Median: 3.58%

#4 of 1024 Top 0.3% in 100M-500M tier

Asset Growth Rate

growth

Value: 38.84%

Peer Median: 4.12%

#6 of 1024 Top 0.5% in 100M-500M tier

Loan Growth Rate

growth

Value: 25.12%

Peer Median: 3.02%

#19 of 1024 Top 1.8% in 100M-500M tier

Share Certificate Concentration (%)

balance_sheet

Value: 6.75%

Peer Median: 23.39%

#65 of 1024 Top 6.2% in 100M-500M tier

116

Net Interest Margin (NIM)

profitability

Value: 4.48%

Peer Median: 3.67%

#116 of 1024 Top 11.2% in 100M-500M tier

152

Net Worth Ratio

risk

Value: 15.41%

Peer Median: 11.71%

#152 of 1024 Top 14.7% in 100M-500M tier

199

Fee Income Per Member

profitability

Value: $223.07

Peer Median: $159.88

#199 of 1024 Top 19.3% in 100M-500M tier

240

First Mortgage Concentration (%)

balance_sheet

Value: 16.89%

Peer Median: 29.92%

#240 of 1024 Top 23.3% in 100M-500M tier

Top Weaknesses (3 metrics)

987

AMR Growth Rate

growth

Value: -5.92%

Peer Median: 3.53%

#987 of 1024 Bottom 3.7% in 100M-500M tier

966

Efficiency Ratio

profitability

Value: 93.46%

Peer Median: 77.26%

#966 of 1024 Bottom 5.8% in 100M-500M tier

849

Return on Assets (ROA)

profitability

Value: 0.34%

Peer Median: 0.75%

#849 of 1024 Bottom 17.2% in 100M-500M tier