BlastPoint's Credit Union Scorecard
UPSTATE
Charter #24484 · SC
UPSTATE has 5 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Leader: Top 50.0% in tier
- + Net Interest Margin 1.12% above tier average
- + Strong member growth: 6.1% YoY
- + Member Growth Rate: Top 7.3% in tier
- + Deposit Growth Rate: Top 9.9% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 50.0% in tier
- - ROA 1.70% below tier average
- - Efficiency ratio 34.68% above tier (higher cost structure)
- - Average Member Relationship (AMR): Bottom 3.9% in tier
- - Loan-to-Member Ratio (LMR): Bottom 9.3% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (SC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
17,602
+6.1% YoY+1.7% QoQ
|
+2.5K |
15,145
-2.5% YoY
|
37,268
+3.6% YoY
|
33,913
+5.7% YoY
|
68% |
| Assets |
$148.1M
+9.9% YoY+6.3% QoQ
|
$-83.6M |
$231.7M
+0.8% YoY
|
$534.3M
+6.5% YoY
|
$578.3M
+9.0% YoY
|
30% |
| Loans |
$96.7M
+2.3% YoY-0.7% QoQ
|
$-47.4M |
$144.1M
+0.2% YoY
|
$369.7M
+7.8% YoY
|
$402.4M
+8.7% YoY
|
35% |
| Deposits |
$134.1M
+9.7% YoY+5.0% QoQ
|
$-67.1M |
$201.1M
+0.4% YoY
|
$450.9M
+6.0% YoY
|
$494.3M
+9.1% YoY
|
33% |
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| ROA |
-1.0%
-207.1% YoY-261.1% QoQ
|
-1.7% |
0.7%
+5.1% YoY
|
0.7%
-43.3% YoY
|
0.4%
-39.2% YoY
|
Bottom 1.4% in tier |
| NIM |
4.7%
+3.1% YoY-3.0% QoQ
|
+1.1% |
3.6%
+4.6% YoY
|
4.1%
-0.5% YoY
|
3.8%
+4.1% YoY
|
Top 5.6% in tier |
| Efficiency Ratio |
112.7%
+29.6% YoY+25.2% QoQ
|
+34.7% |
78.0%
-1.7% YoY
|
81.4%
+7.0% YoY
|
84.6%
+2.8% YoY
|
Bottom 1.0% in tier |
| Delinquency Rate |
0.3%
-17.7% YoY-43.3% QoQ
|
-0.5 |
0.8%
+7.1% YoY
|
0.8%
+19.1% YoY
|
1.2%
+3.4% YoY
|
19% |
| Loan To Share |
72.1%
-6.8% YoY-5.4% QoQ
|
+1.7% |
70.4%
-0.4% YoY
|
69.5%
-0.5% YoY
|
65.6%
-1.4% YoY
|
51% |
| AMR |
$13,113
+0.3% YoY+0.8% QoQ
|
$-12K |
$24,918
+2.7% YoY
|
$16,971
+2.3% YoY
|
$19,920
+1.6% YoY
|
Bottom 3.8% in tier |
| CD Concentration |
21.3%
+9.3% YoY+4.6% QoQ
|
-3.0% | 24.3% | 18.0% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 5.9% | 7.7% | 50% |
Signature Analysis
Strengths (1)
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.
Concerns (1)
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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)