BlastPoint's Credit Union Scorecard
UPSTATE
Charter #24484 · SC
UPSTATE has 10 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Leader: Top 4.6% in tier
- + Organic Growth Engine: Top 5.0% in tier
- + Emerging Performer: Top 46.8% in tier
- + Credit Quality Leader: Top 55.5% in tier
- + ROA 0.00% above tier average
- + Net Interest Margin 1.30% above tier average
- + Strong member growth: 6.0% YoY
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Member Growth Rate: Top 7.3% in tier
- + Deposit Growth Rate: Top 9.2% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 12.0% in tier
- - Credit Risk Growth: Bottom 25.6% in tier
- - Credit Quality Pressure: Bottom 26.5% in tier
- - Efficiency ratio 10.21% above tier (higher cost structure)
- - Average Member Relationship (AMR): Bottom 4.1% in tier
- - Asset Growth Rate: Bottom 4.3% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (SC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
17,175
+6.0% YoY+1.5% QoQ
|
+1.5K |
15,628
-3.4% YoY
|
37,124
+2.2% YoY
|
33,089
+6.1% YoY
|
65% |
| Assets |
$137.7M
-4.5% YoY+1.8% QoQ
|
$-93.6M |
$231.3M
-0.0% YoY
|
$514.3M
+4.6% YoY
|
$547.7M
+7.8% YoY
|
25% |
| Loans |
$97.1M
+5.1% YoY+0.7% QoQ
|
$-50.7M |
$147.8M
-1.4% YoY
|
$362.8M
+7.0% YoY
|
$388.7M
+8.6% YoY
|
33% |
| Deposits |
$124.7M
+11.1% YoY+1.8% QoQ
|
$-75.6M |
$200.3M
-0.0% YoY
|
$433.3M
+6.0% YoY
|
$464.6M
+9.3% YoY
|
28% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
0.8%
-5.6% YoY-2.2% QoQ
|
+0.0% |
0.8%
+15.5% YoY
|
1.2%
+18.8% YoY
|
0.7%
+273.4% YoY
|
53% |
| NIM |
4.9%
+18.3% YoY+1.4% QoQ
|
+1.3% |
3.6%
+6.9% YoY
|
4.3%
+2.6% YoY
|
3.7%
+5.0% YoY
|
Top 3.8% in tier |
| Efficiency Ratio |
87.5%
+2.1% YoY-1.0% QoQ
|
+10.2% |
77.3%
-3.0% YoY
|
75.1%
-1.9% YoY
|
79.1%
-3.3% YoY
|
84% |
| Delinquency Rate |
0.2%
+13.1% YoY-16.4% QoQ
|
-0.6 |
0.9%
+7.6% YoY
|
0.9%
+10.3% YoY
|
1.2%
-0.9% YoY
|
Bottom 14.6% in tier |
| Loan To Share |
77.9%
-5.4% YoY-1.0% QoQ
|
+5.2% |
72.7%
-1.5% YoY
|
71.3%
-1.2% YoY
|
68.0%
-1.7% YoY
|
58% |
| AMR |
$12,915
+2.2% YoY-0.2% QoQ
|
$-11K |
$24,363
+2.9% YoY
|
$16,641
+2.9% YoY
|
$19,418
+1.3% YoY
|
Bottom 4.0% in tier |
| CD Concentration |
20.9%
+21.1% YoY+2.2% QoQ
|
-3.5% |
24.4%
+4.2% YoY
|
17.4%
+3.6% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
5.9%
-5.3% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (4)
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Concerns (3)
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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)