BlastPoint's Credit Union Scorecard
SRP
Charter #24410 · SC
SRP has 7 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
- + Wallet Share Momentum: Top 23.4% in tier
- + Organic Growth Engine: Top 44.5% in tier
- + Organic Growth Leader: Top 44.5% in tier
- + ROA 0.50% above tier average
- + Net Interest Margin 1.16% above tier average
- + Total Members: Top 0.7% in tier
- + Members Per Employee (MPE): Top 7.5% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 6.6% in tier
- - Credit Risk Growth: Bottom 11.6% in tier
- - Delinquency rate 0.41% above tier average
- - Average Member Relationship (AMR): Bottom 1.6% in tier
- - Loan-to-Member Ratio (LMR): Bottom 3.6% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (SC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
201,844
+2.6% YoY+0.6% QoQ
|
+105.8K |
96,048
-2.7% YoY
|
37,268
+3.6% YoY
|
33,913
+5.7% YoY
|
Top 1.0% in tier |
| Assets |
$2.1B
+5.8% YoY+1.1% QoQ
|
+$357.2M |
$1.7B
+0.4% YoY
|
$534.3M
+6.5% YoY
|
$578.3M
+9.0% YoY
|
72% |
| Loans |
$1.4B
+13.4% YoY+1.0% QoQ
|
+$209.7M |
$1.2B
+0.2% YoY
|
$369.7M
+7.8% YoY
|
$402.4M
+8.7% YoY
|
71% |
| Deposits |
$1.8B
+5.6% YoY+2.8% QoQ
|
+$305.9M |
$1.5B
+0.5% YoY
|
$450.9M
+6.0% YoY
|
$494.3M
+9.1% YoY
|
72% |
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| ROA |
1.2%
-2.2% YoY-13.4% QoQ
|
+0.5% |
0.7%
+27.6% YoY
|
0.7%
-43.3% YoY
|
0.4%
-39.2% YoY
|
Top 14.7% in tier |
| NIM |
4.5%
-0.5% YoY+2.9% QoQ
|
+1.2% |
3.4%
+6.2% YoY
|
4.1%
-0.5% YoY
|
3.8%
+4.1% YoY
|
Top 3.9% in tier |
| Efficiency Ratio |
69.0%
+3.3% YoY+5.6% QoQ
|
-5.7% |
74.6%
-3.0% YoY
|
81.4%
+7.0% YoY
|
84.6%
+2.8% YoY
|
27% |
| Delinquency Rate |
1.2%
+71.3% YoY+12.6% QoQ
|
+0.4 |
0.8%
+6.9% YoY
|
0.8%
+19.1% YoY
|
1.2%
+3.4% YoY
|
Bottom 13.7% in tier |
| Loan To Share |
80.4%
+7.4% YoY-1.8% QoQ
|
-2.8% |
83.2%
-0.4% YoY
|
69.5%
-0.5% YoY
|
65.6%
-1.4% YoY
|
35% |
| AMR |
$15,828
+6.2% YoY+1.4% QoQ
|
$-14K |
$29,652
+2.3% YoY
|
$16,971
+2.3% YoY
|
$19,920
+1.6% YoY
|
Bottom 1.3% in tier |
| CD Concentration |
18.9%
+18.5% YoY-1.2% QoQ
|
-10.0% | 28.8% | 18.0% | 19.8% | Bottom 11.2% in tier |
| Indirect Auto % |
0.5%
-39.2% YoY-10.6% QoQ
|
-17.5% | 18.1% | 5.9% | 7.7% | 16% |
Signature Analysis
Strengths (3)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
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)