BlastPoint's Credit Union Scorecard
SRP
Charter #24410 · SC
SRP has 8 strengths but faces 5 concerns
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
- + Organic Growth Engine: Top 13.0% in tier
- + Wallet Share Momentum: Top 54.1% in tier
- + Organic Growth Leader: Top 58.9% in tier
- + ROA 0.73% above tier average
- + Net Interest Margin 1.12% above tier average
- + Total Members: Top 1.3% in tier
- + Loan Growth Rate: Top 6.6% in tier
- + Members Per Employee (MPE): Top 7.9% in tier
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 3.1% in tier
- - Credit Quality Pressure: Bottom 22.9% in tier
- - Delinquency rate 0.14% above tier average
- - Average Member Relationship (AMR): Bottom 1.7% in tier
- - Loan-to-Member Ratio (LMR): Bottom 3.6% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (SC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
200,683
+2.9% YoY+0.4% QoQ
|
+103.3K |
97,431
-2.4% YoY
|
37,100
+2.2% YoY
|
33,374
+5.7% YoY
|
Top 1.7% in tier |
| Assets |
$2.1B
+9.5% YoY+3.8% QoQ
|
+$330.8M |
$1.7B
+0.9% YoY
|
$523.8M
+6.7% YoY
|
$561.6M
+9.7% YoY
|
70% |
| Loans |
$1.4B
+15.8% YoY+1.0% QoQ
|
+$174.5M |
$1.2B
+0.5% YoY
|
$367.9M
+7.3% YoY
|
$397.0M
+8.8% YoY
|
68% |
| Deposits |
$1.7B
+7.2% YoY+2.5% QoQ
|
+$263.4M |
$1.5B
+0.9% YoY
|
$439.0M
+5.8% YoY
|
$477.3M
+9.7% YoY
|
71% |
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| ROA |
1.4%
+4.3% YoY-13.8% QoQ
|
+0.7% |
0.7%
+20.9% YoY
|
1.0%
+5.1% YoY
|
0.7%
+15.9% YoY
|
Top 6.3% in tier |
| NIM |
4.4%
+1.7% YoY-5.3% QoQ
|
+1.1% |
3.3%
+9.2% YoY
|
4.2%
+0.5% YoY
|
3.8%
+5.1% YoY
|
Top 4.6% in tier |
| Efficiency Ratio |
65.3%
-3.1% YoY+1.7% QoQ
|
-8.8% |
74.1%
-9.5% YoY
|
76.9%
-0.6% YoY
|
79.7%
-3.3% YoY
|
17% |
| Delinquency Rate |
1.0%
+37.1% YoY+33.1% QoQ
|
+0.1 |
0.9%
+6.2% YoY
|
1.0%
+13.3% YoY
|
1.3%
-2.1% YoY
|
72% |
| Loan To Share |
81.8%
+8.0% YoY-1.5% QoQ
|
-3.0% |
84.8%
-0.8% YoY
|
71.5%
-0.9% YoY
|
67.4%
-1.7% YoY
|
36% |
| AMR |
$15,605
+7.8% YoY+1.4% QoQ
|
$-14K |
$29,428
+2.4% YoY
|
$16,782
+2.9% YoY
|
$19,687
+2.0% YoY
|
Bottom 1.3% in tier |
| CD Concentration |
19.1%
+23.1% YoY+2.9% QoQ
|
-10.0% | 29.0% | 17.8% | 19.8% | Bottom 12.0% in tier |
| Indirect Auto % |
0.6%
+138.7% YoY-10.6% QoQ
|
-17.7% | 18.3% | 5.9% | 7.8% | 16% |
Signature Analysis
Strengths (3)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Concerns (2)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)