BlastPoint's Credit Union Scorecard

CARO

Charter #24404 · SC

1069 CUs in 100M-500M nationally 10 in SC

CARO has 4 strengths but faces 11 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

+ Net Interest Margin 0.80% above tier average
+ Indirect Auto Concentration (%): Top 0.0% in tier
+ Share Certificate Concentration (%): Top 3.0% in tier
+ Fee Income Per Member: Top 6.3% in tier

Key Concerns

Areas that may need attention

- Stagnation Risk: Bottom 12.5% in tier
- Credit Quality Pressure: Bottom 23.2% in tier
- Membership Headwinds: Bottom 32.7% in tier
- Institutional Decline: Bottom 42.7% in tier
- Efficiency Drag: Bottom 50.5% in tier
- ROA 0.49% below tier average
- Efficiency ratio 12.61% above tier (higher cost structure)
- Delinquency rate 0.08% above tier average
- Member decline: -4.1% YoY
- Asset Growth Rate: Bottom 5.1% in tier
- Loan Growth Rate: Bottom 7.1% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (SC)	National Avg	Tier Percentile
Members	7,067 -4.1% YoY-1.0% QoQ	-8.4K	15,437 -2.9% YoY	37,100 +2.2% YoY	33,374 +5.7% YoY	Bottom 11.2% in tier
Assets	$125.8M -3.2% YoY+0.7% QoQ	$-106.0M	$231.9M +1.3% YoY	$523.8M +6.7% YoY	$561.6M +9.7% YoY	17%
Loans	$83.6M -6.9% YoY-3.1% QoQ	$-63.7M	$147.3M -0.1% YoY	$367.9M +7.3% YoY	$397.0M +8.8% YoY	24%
Deposits	$106.4M +5.4% YoY-0.4% QoQ	$-94.4M	$200.8M +0.8% YoY	$439.0M +5.8% YoY	$477.3M +9.7% YoY	16%

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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% -53.2% YoY-41.2% QoQ	-0.5%	0.8% +18.2% YoY	1.0% +5.1% YoY	0.7% +15.9% YoY	16%
NIM	4.4% +7.8% YoY-0.5% QoQ	+0.8%	3.6% +6.7% YoY	4.2% +0.5% YoY	3.8% +5.1% YoY	Top 11.6% in tier
Efficiency Ratio	89.6% +4.2% YoY+2.9% QoQ	+12.6%	77.0% -3.1% YoY	76.9% -0.6% YoY	79.7% -3.3% YoY	Top 10.8% in tier
Delinquency Rate	1.0% +73.2% YoY+26.3% QoQ	+0.1	0.9% +4.2% YoY	1.0% +13.3% YoY	1.3% -2.1% YoY	67%
Loan To Share	78.6% -11.6% YoY-2.7% QoQ	+6.3%	72.2% -1.1% YoY	71.5% -0.9% YoY	67.4% -1.7% YoY	60%
AMR	$26,890 +3.9% YoY-0.7% QoQ	+$2K	$24,676 +3.4% YoY	$16,782 +2.9% YoY	$19,687 +2.0% YoY	72%
CD Concentration	2.9% -28.0% YoY-11.5% QoQ	-21.5%	24.4%	17.8%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	5.9%	7.8%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (5)

Stagnation Risk

risk

#70 of 554 • Bottom 12.5% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -4.11%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

Loan Growth (YoY): -6.86%

(Tier: 4.11%, National: 111.96%)

worse than tier avg

Delinquency Rate: 0.97%

(Tier: 0.89%, National: 1.28%)

worse than tier avg

554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally

→ No prior data (554 CUs now) | New qualifier

Credit Quality Pressure

risk

#164 of 705 • Bottom 23.2% in tier

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

Why This Signature

Delinquency Change (YoY): 0.41% points

(Tier: 0.03% points, National: 0.06% points)

worse than tier avg

705 of 1069 Mid-Small & Community CUs have this signature | 969 nationally

↓ Shrinking -150 CUs YoY | New qualifier

Membership Headwinds

decline

#182 of 554 • Bottom 32.7% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -4.11%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally

→ No prior data (554 CUs now) | New qualifier

Institutional Decline

decline

#103 of 240 • Bottom 42.7% in tier

Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.

Why This Signature

Total Assets: $125.82M

(Tier: $334.15M, National: $561.61M)

worse than tier avg

Member Growth (YoY): -4.11%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

Loan Growth (YoY): -6.86%

(Tier: 4.11%, National: 111.96%)

worse than tier avg

240 of 1069 Mid-Small & Community CUs have this signature | 277 nationally

→ No prior data (240 CUs now) | New qualifier

Efficiency Drag

risk

#272 of 538 • Bottom 50.5% in tier

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

Why This Signature

Efficiency Ratio: 89.62%

(Tier: 76.88%, National: 79.67%)

worse than tier avg

ROA Change (YoY): -0.31% points

(Tier: 0.11% points, National: 0.02% points)

worse than tier avg

Member Growth (YoY): -4.11%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

538 of 1069 Mid-Small & Community CUs have this signature | 633 nationally

↓ Shrinking -98 CUs YoY | Rank improving

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 1069 peers in tier

Top Strengths (6 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: -

#1 of 1069 Top 0.0% in 100M-500M tier

Share Certificate Concentration (%)

balance_sheet

Value: 2.94%

Peer Median: -

#33 of 1069 Top 3.0% in 100M-500M tier

Fee Income Per Member

profitability

Value: $290.49

Peer Median: -

#68 of 1069 Top 6.3% in 100M-500M tier

124

Net Interest Margin (NIM)

profitability

Value: 4.41%

Peer Median: -

#124 of 1069 Top 11.5% in 100M-500M tier

132

Net Worth Ratio

risk

Value: 15.79%

Peer Median: -

#132 of 1069 Top 12.3% in 100M-500M tier

243

First Mortgage Concentration (%)

balance_sheet

Value: 15.93%

Peer Median: -

#243 of 1069 Top 22.6% in 100M-500M tier

Top Weaknesses (10 metrics)

1016

Asset Growth Rate

growth

Value: -3.16%

Peer Median: -

#1016 of 1069 Bottom 5.1% in 100M-500M tier

994

Loan Growth Rate

growth

Value: -6.86%

Peer Median: -

#994 of 1069 Bottom 7.1% in 100M-500M tier

955

Efficiency Ratio

profitability

Value: 89.62%

Peer Median: -

#955 of 1069 Bottom 10.8% in 100M-500M tier

949

Total Members

engagement

Value: 7,067

Peer Median: -

#949 of 1069 Bottom 11.3% in 100M-500M tier

918

Member Growth Rate

growth

Value: -4.11%

Peer Median: -

#918 of 1069 Bottom 14.2% in 100M-500M tier

903

Total Deposits

balance_sheet

Value: $106.42M

Peer Median: -

#903 of 1069 Bottom 15.6% in 100M-500M tier

897

Return on Assets (ROA)

profitability

Value: 0.28%

Peer Median: -

#897 of 1069 Bottom 16.2% in 100M-500M tier

890

Total Assets

balance_sheet

Value: $125.82M

Peer Median: -

#890 of 1069 Bottom 16.8% in 100M-500M tier

841

Net Charge-Off Rate

risk

Value: 0.68%

Peer Median: -

#841 of 1069 Bottom 21.4% in 100M-500M tier

808

Total Loans

balance_sheet

Value: $83.61M

Peer Median: -

#808 of 1069 Bottom 24.5% in 100M-500M tier