BlastPoint's Credit Union Scorecard
CARO
Charter #24404 · SC
CARO has 5 strengths but faces 10 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 89.6% in tier
- + Net Interest Margin 0.85% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 3.4% in tier
- + Fee Income Per Member: Top 7.1% in tier
Key Concerns
Areas that may need attention
- - Stagnation Risk: Bottom 7.9% in tier
- - Membership Headwinds: Bottom 8.0% in tier
- - Efficiency Drag: Bottom 9.4% in tier
- - Institutional Decline: Bottom 15.9% in tier
- - Credit Quality Pressure: Bottom 16.4% in tier
- - Liquidity Overhang: Bottom 93.2% in tier
- - ROA 0.32% below tier average
- - Efficiency ratio 9.83% above tier (higher cost structure)
- - Member decline: -4.6% YoY
- - Asset Growth Rate: Bottom 2.5% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (SC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
7,137
-4.6% YoY-1.9% QoQ
|
-8.5K |
15,628
-3.4% YoY
|
37,124
+2.2% YoY
|
33,089
+6.1% YoY
|
Bottom 11.1% in tier |
| Assets |
$125.0M
-6.3% YoY-0.8% QoQ
|
$-106.3M |
$231.3M
-0.0% YoY
|
$514.3M
+4.6% YoY
|
$547.7M
+7.8% YoY
|
17% |
| Loans |
$86.3M
-5.0% YoY-1.7% QoQ
|
$-61.5M |
$147.8M
-1.4% YoY
|
$362.8M
+7.0% YoY
|
$388.7M
+8.6% YoY
|
26% |
| Deposits |
$106.9M
+5.6% YoY+5.0% QoQ
|
$-93.4M |
$200.3M
-0.0% YoY
|
$433.3M
+6.0% YoY
|
$464.6M
+9.3% YoY
|
16% |
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| ROA |
0.5%
-4.5% YoY-21.7% QoQ
|
-0.3% |
0.8%
+15.5% YoY
|
1.2%
+18.8% YoY
|
0.7%
+273.4% YoY
|
30% |
| NIM |
4.4%
+9.4% YoY+0.4% QoQ
|
+0.8% |
3.6%
+6.9% YoY
|
4.3%
+2.6% YoY
|
3.7%
+5.0% YoY
|
Top 11.2% in tier |
| Efficiency Ratio |
87.1%
-0.6% YoY+3.1% QoQ
|
+9.8% |
77.3%
-3.0% YoY
|
75.1%
-1.9% YoY
|
79.1%
-3.3% YoY
|
83% |
| Delinquency Rate |
0.8%
+26.0% YoY-4.4% QoQ
|
-0.1 |
0.9%
+7.6% YoY
|
0.9%
+10.3% YoY
|
1.2%
-0.9% YoY
|
57% |
| Loan To Share |
80.7%
-10.1% YoY-6.4% QoQ
|
+8.0% |
72.7%
-1.5% YoY
|
71.3%
-1.2% YoY
|
68.0%
-1.7% YoY
|
65% |
| AMR |
$27,069
+5.5% YoY+3.9% QoQ
|
+$3K |
$24,363
+2.9% YoY
|
$16,641
+2.9% YoY
|
$19,418
+1.3% YoY
|
73% |
| CD Concentration |
3.3%
-22.2% YoY-10.1% QoQ
|
-21.1% |
24.4%
+4.2% YoY
|
17.4%
+3.6% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
5.9%
-5.3% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (6)
Stagnation Risk
riskMembership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Liquidity Overhang
riskVery high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.
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)