BlastPoint's Credit Union Scorecard

SRP

Charter #24410 · SC

Mid-Market 1B-3B

300 CUs in 1B-3B nationally 8 in SC

View Mid-Market leaderboard →

SRP has 6 strengths but faces 5 concerns

National Analysis

How does the industry compare?

Mid-Market Tier

What's your peer group doing?

SC Analysis

How does SC stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Wallet Share Momentum: Top 26.1% in tier
+ Organic Growth Engine: Top 47.3% in tier
+ Organic Growth Leader: Top 47.3% in tier
+ ROA 0.52% above tier average
+ Net Interest Margin 1.16% above tier average
+ Total Members: Top 1.0% in tier

Key Concerns

Areas that may need attention

- Margin Compression: Bottom 13.9% in tier
- Credit Risk Growth: Bottom 15.3% in tier
- Credit Quality Pressure: Bottom 49.7% in tier
- Average Member Relationship (AMR): Bottom 1.3% in tier
- Loan-to-Member Ratio (LMR): Bottom 3.3% 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 300 credit unions with $1B-$3B in assets nationally, and 1 of 8 that size in South Carolina.
Shares and deposits +5.3% year over year ($1.77B in shares and deposits).
Membership: 203,074 members, +2.3% vs a year ago.
Delinquency rate 0.74%.
Return on assets 1.34%.
Efficiency ratio 67.92% vs a 73.02% peer average.
Loan-to-share ratio 81.92% vs a 84.71% 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	203,074 +2.3% YoY+0.6% QoQ	+106.2K	96,861 -1.9% YoY	38,222 +5.6% YoY	34,678 +6.6% YoY	Top 1.3% in tier
Assets	$2.1B +5.7% YoY+0.5% QoQ	+$362.9M	$1.7B +0.4% YoY	$548.9M +9.6% YoY	$593.1M +10.2% YoY	70%
Loans	$1.5B +12.5% YoY+2.1% QoQ	+$218.7M	$1.2B +0.7% YoY	$385.7M +10.8% YoY	$418.6M +10.1% YoY	71%
Deposits	$1.8B +5.3% YoY+0.1% QoQ	+$310.2M	$1.5B +0.5% YoY	$462.6M +9.2% YoY	$504.8M +10.3% YoY	71%

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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	1.3% -10.5% YoY+9.7% QoQ	+0.5%	0.8% +27.6% YoY	0.9% -19.6% YoY	1.2% +121.4% YoY	Top 13.0% in tier
NIM	4.6% +0.9% YoY+1.5% QoQ	+1.2%	3.4% +6.6% YoY	4.2% -1.3% YoY	3.8% +2.3% YoY	Top 3.7% in tier
Efficiency Ratio	67.9% +5.7% YoY-1.5% QoQ	-5.1%	73.0% -2.7% YoY	79.7% +5.8% YoY	83.0% -5.3% YoY	28%
Delinquency Rate	0.7% +5.4% YoY-36.6% QoQ	-0.1	0.9% +7.3% YoY	1.1% +14.2% YoY	1.3% +2.6% YoY	53%
Loan To Share	81.9% +6.8% YoY+2.0% QoQ	-2.8%	84.7% +0.1% YoY	70.2% -0.9% YoY	66.4% -1.4% YoY	34%
AMR	$15,888 +6.0% YoY+0.4% QoQ	$-14K	$29,575 +1.5% YoY	$17,221 +4.1% YoY	$20,028 -0.9% YoY	Bottom 1.0% in tier
CD Concentration	20.0% +15.0% YoY+6.1% QoQ	-9.1%	29.1%	18.3%	20.0%	Bottom 13.1% in tier
Indirect Auto %	0.5% -39.1% YoY-11.1% QoQ	-17.6%	18.1%	6.0%	7.7%	16%

Signature Analysis

Strengths (3)

Organic Growth Engine

growth

#38 of 113 • Top 47.3% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 2.26%

(Tier: 3.16%, National: 15.67%)

but worse than tier avg

Return on Assets: 1.34%

(Tier: 0.84%, National: 1.23%)

better than tier avg

Indirect Auto %: 0.48%

(Tier: 18.08%, National: 7.71%)

better than tier avg

113 of 377 Mid-Market CUs have this signature | 490 nationally

↓ Shrinking -131 CUs YoY | Rank worsening

Organic Growth Leader

growth

#81 of 112 • Top 47.3% in tier

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

Why This Signature

Member Growth (YoY): 2.26%

(Tier: 3.16%, National: 15.67%)

but worse than tier avg

Indirect Auto %: 0.48%

(Tier: 18.08%, National: 7.71%)

better than tier avg

112 of 377 Mid-Market CUs have this signature | 485 nationally

↓ Shrinking -20 CUs YoY

Wallet Share Momentum

growth

#97 of 125 • Top 26.1% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 6.02%

(Tier: 3.62%, National: 35.20%)

better than tier avg

125 of 377 Mid-Market CUs have this signature | 635 nationally

↑ Growing +22 CUs YoY | Rank worsening

Concerns (3)

Margin Compression

decline

#9 of 20 • Bottom 13.9% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.

Why This Signature

Return on Assets: 1.34%

(Tier: 0.84%, National: 1.23%)

but better than tier avg

ROA (Prior Year): 1.50%

(Tier: 0.66%, National: 0.66%)

but better than tier avg

ROA Change (YoY): -0.16% points

(Tier: 0.18% points, National: 0.47% points)

worse than tier avg

20 of 377 Mid-Market CUs have this signature | 167 nationally

→ Stable (22→20 CUs) -2 CUs YoY | New qualifier

Credit Risk Growth

risk

#90 of 170 • Bottom 15.3% in tier

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

Why This Signature

Loan Growth (YoY): 12.46%

(Tier: 6.76%, National: 78.26%)

but better than tier avg

Delinquency Change (YoY): 0.04% points

(Tier: 0.06% points, National: 0.08% points)

but better than tier avg

170 of 377 Mid-Market CUs have this signature | 688 nationally

→ Stable (169→170 CUs) +1 CUs YoY | Rank worsening

Credit Quality Pressure

risk

#185 of 215 • Bottom 49.7% in tier

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

Why This Signature

Delinquency Change (YoY): 0.04% points

(Tier: 0.06% points, National: 0.08% points)

but better than tier avg

215 of 377 Mid-Market CUs have this signature | 962 nationally

↓ Shrinking -28 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 300 peers in tier

Top Strengths (8 metrics)

Total Members

engagement

Value: 203,074

Peer Median: 86,516

#4 of 300 Top 1.0% in 1B-3B tier

Net Interest Margin (NIM)

profitability

Value: 4.58%

Peer Median: 3.46%

#11 of 300 Top 3.3% in 1B-3B tier

Return on Assets (ROA)

profitability

Value: 1.34%

Peer Median: 0.77%

#39 of 300 Top 12.7% in 1B-3B tier

Share Certificate Concentration (%)

balance_sheet

Value: 20.00%

Peer Median: 28.24%

#42 of 300 Top 13.7% in 1B-3B tier

Loan Growth Rate

growth

Value: 12.46%

Peer Median: 5.71%

#43 of 300 Top 14.0% in 1B-3B tier

Net Worth Ratio

risk

Value: 13.79%

Peer Median: 10.91%

#46 of 300 Top 15.0% in 1B-3B tier

Members Per Employee (MPE)

engagement

Value: 441.465

Peer Median: 346.173

#46 of 300 Top 15.0% in 1B-3B tier

Indirect Auto Concentration (%)

balance_sheet

Value: 0.48%

Peer Median: 14.26%

#53 of 300 Top 17.3% in 1B-3B tier

Top Weaknesses (3 metrics)

297

Average Member Relationship (AMR)

engagement

Value: $15,888

Peer Median: $28,089

#297 of 300 Bottom 1.3% in 1B-3B tier

291

Loan-to-Member Ratio (LMR)

engagement

Value: $7,155

Peer Median: $12,809

#291 of 300 Bottom 3.3% in 1B-3B tier

237

Net Charge-Off Rate

risk

Value: 0.86%

Peer Median: 0.52%

#237 of 300 Bottom 21.3% in 1B-3B tier