BlastPoint's Credit Union Scorecard

UPSTATE

Charter #24484 · SC

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

UPSTATE has 7 strengths but faces 6 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

+ Organic Growth Leader: Top 14.6% in tier
+ Organic Growth Engine: Top 23.1% in tier
+ Emerging Performer: Top 59.7% in tier
+ Net Interest Margin 1.29% above tier average
+ Strong member growth: 6.0% YoY
+ Indirect Auto Concentration (%): Top 0.0% in tier
+ Member Growth Rate: Top 7.0% in tier

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 48.8% in tier
- Credit Quality Pressure: Bottom 54.8% in tier
- Credit Risk Growth: Bottom 65.3% in tier
- ROA 0.16% below tier average
- Efficiency ratio 12.99% above tier (higher cost structure)
- Average Member Relationship (AMR): Bottom 4.2% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (SC)	National Avg	Tier Percentile
Members	17,300 +6.0% YoY+0.7% QoQ	+1.9K	15,437 -2.9% YoY	37,100 +2.2% YoY	33,374 +5.7% YoY	66%
Assets	$139.4M +1.3% YoY+1.2% QoQ	$-92.5M	$231.9M +1.3% YoY	$523.8M +6.7% YoY	$561.6M +9.7% YoY	25%
Loans	$97.4M +4.1% YoY+0.3% QoQ	$-49.9M	$147.3M -0.1% YoY	$367.9M +7.3% YoY	$397.0M +8.8% YoY	34%
Deposits	$127.7M +8.7% YoY+2.4% QoQ	$-73.1M	$200.8M +0.8% YoY	$439.0M +5.8% YoY	$477.3M +9.7% YoY	29%

See Your Full Scorecard

Unlock complete metrics, rankings, and AI-powered insights — always free

Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	0.6% -26.4% YoY-24.0% QoQ	-0.2%	0.8% +18.2% YoY	1.0% +5.1% YoY	0.7% +15.9% YoY	39%
NIM	4.9% +16.4% YoY+0.3% QoQ	+1.3%	3.6% +6.7% YoY	4.2% +0.5% YoY	3.8% +5.1% YoY	Top 3.9% in tier
Efficiency Ratio	90.0% +5.5% YoY+2.9% QoQ	+13.0%	77.0% -3.1% YoY	76.9% -0.6% YoY	79.7% -3.3% YoY	Top 10.0% in tier
Delinquency Rate	0.5% +65.0% YoY+87.6% QoQ	-0.4	0.9% +4.2% YoY	1.0% +13.3% YoY	1.3% -2.1% YoY	29%
Loan To Share	76.3% -4.2% YoY-2.1% QoQ	+4.0%	72.2% -1.1% YoY	71.5% -0.9% YoY	67.4% -1.7% YoY	54%
AMR	$13,013 +0.6% YoY+0.8% QoQ	$-12K	$24,676 +3.4% YoY	$16,782 +2.9% YoY	$19,687 +2.0% YoY	Bottom 4.1% in tier
CD Concentration	20.3% +8.7% YoY-2.8% QoQ	-4.1%	24.4%	17.8%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	5.9%	7.8%	50%

Signature Analysis

Strengths (3)

Organic Growth Leader

growth

#63 of 426 • Top 14.6% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 5.99%

(Tier: 0.69%, National: 4.32%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.79%, National: 7.78%)

better than tier avg

426 of 1069 Mid-Small & Community CUs have this signature | 609 nationally

→ No prior data (426 CUs now) | New qualifier

Organic Growth Engine

growth

#138 of 595 • Top 23.1% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 5.99%

(Tier: 0.69%, National: 4.32%)

better than tier avg

Return on Assets: 0.60%

(Tier: 0.75%, National: 0.67%)

but worse than tier avg

Indirect Auto %: 0.00%

(Tier: 13.79%, National: 7.78%)

better than tier avg

595 of 1069 Mid-Small & Community CUs have this signature | 913 nationally

→ No prior data (595 CUs now) | New qualifier

Emerging Performer

growth

#109 of 182 • Top 59.7% in tier

Smaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.

Why This Signature

Return on Assets: 0.60%

(Tier: 0.75%, National: 0.67%)

but worse than tier avg

Member Growth (YoY): 5.99%

(Tier: 0.69%, National: 4.32%)

better than tier avg

182 of 1069 Mid-Small & Community CUs have this signature | 282 nationally

→ No prior data (182 CUs now) | New qualifier

Concerns (3)

Efficiency Drag

risk

#263 of 538 • Bottom 48.8% in tier

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

Why This Signature

Efficiency Ratio: 90.01%

(Tier: 76.88%, National: 79.67%)

worse than tier avg

ROA Change (YoY): -0.22% points

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

worse than tier avg

Member Growth (YoY): 5.99%

(Tier: 0.69%, National: 4.32%)

but better than tier avg

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

↓ Shrinking -98 CUs YoY | Rank improving

Credit Quality Pressure

risk

#387 of 705 • Bottom 54.8% in tier

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

Why This Signature

Delinquency Change (YoY): 0.18% 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

Credit Risk Growth

risk

#298 of 456 • Bottom 65.3% in tier

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

Why This Signature

Loan Growth (YoY): 4.07%

(Tier: 4.11%, National: 111.96%)

worse than tier avg

Delinquency Change (YoY): 0.18% points

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

worse than tier avg

456 of 1069 Mid-Small & Community CUs have this signature | 665 nationally

→ No prior data (456 CUs now) | New qualifier

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

Net Interest Margin (NIM)

profitability

Value: 4.90%

Peer Median: -

#42 of 1069 Top 3.8% in 100M-500M tier

Member Growth Rate

growth

Value: 5.99%

Peer Median: -

#76 of 1069 Top 7.0% in 100M-500M tier

139

First Mortgage Concentration (%)

balance_sheet

Value: 10.49%

Peer Median: -

#139 of 1069 Top 12.9% in 100M-500M tier

187

Deposit Growth Rate

growth

Value: 8.68%

Peer Median: -

#187 of 1069 Top 17.4% in 100M-500M tier

264

Fee Income Per Member

profitability

Value: $217.38

Peer Median: -

#264 of 1069 Top 24.6% in 100M-500M tier

Top Weaknesses (5 metrics)

1025

Average Member Relationship (AMR)

engagement

Value: $13,013

Peer Median: -

#1025 of 1069 Bottom 4.2% in 100M-500M tier

963

Efficiency Ratio

profitability

Value: 90.01%

Peer Median: -

#963 of 1069 Bottom 10.0% in 100M-500M tier

963

Loan-to-Member Ratio (LMR)

engagement

Value: $5,631

Peer Median: -

#963 of 1069 Bottom 10.0% in 100M-500M tier

834

Asset Growth Rate

growth

Value: 1.26%

Peer Median: -

#834 of 1069 Bottom 22.1% in 100M-500M tier

828

AMR Growth Rate

growth

Value: 0.61%

Peer Median: -

#828 of 1069 Bottom 22.6% in 100M-500M tier