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
- + Organic Growth Engine: Top 50.0% in tier
- + Net Interest Margin 1.21% above tier average
- + Strong member growth: 5.7% YoY
- + Member Growth Rate: Top 7.8% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 50.0% in tier
- - ROA 0.78% below tier average
- - Efficiency ratio 20.96% above tier (higher cost structure)
- - Average Member Relationship (AMR): Bottom 3.6% in tier
- - Loan-to-Member Ratio (LMR): Bottom 9.1% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 9 that size in South Carolina.
- Shares and deposits +9.2% year over year ($134M in shares and deposits).
- Membership: 17,889 members, +5.7% vs a year ago.
- Delinquency rate 0.26%.
- Return on assets 0.08%.
- Efficiency ratio 97.69% vs a 76.73% peer average.
- Loan-to-share ratio 73.27% vs a 71.54% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (SC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
17,889
+5.7% YoY+1.6% QoQ
|
+2.7K |
15,168
-2.6% YoY
|
38,222
+5.6% YoY
|
34,678
+6.6% YoY
|
69% |
| Assets |
$148.5M
+9.9% YoY+0.3% QoQ
|
$-83.5M |
$232.0M
+0.7% YoY
|
$548.9M
+9.6% YoY
|
$593.1M
+10.2% YoY
|
30% |
| Loans |
$98.0M
+1.7% YoY+1.3% QoQ
|
$-48.2M |
$146.3M
+0.2% YoY
|
$385.7M
+10.8% YoY
|
$418.6M
+10.1% YoY
|
34% |
| Deposits |
$133.8M
+9.2% YoY-0.2% QoQ
|
$-66.9M |
$200.7M
+0.2% YoY
|
$462.6M
+9.2% YoY
|
$504.8M
+10.3% YoY
|
32% |
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| ROA |
0.1%
-90.1% YoY-108.3% QoQ
|
-0.8% |
0.9%
+12.5% YoY
|
0.9%
-19.6% YoY
|
1.2%
+121.4% YoY
|
Bottom 2.5% in tier |
| NIM |
4.9%
+1.6% YoY+3.0% QoQ
|
+1.2% |
3.7%
+4.5% YoY
|
4.2%
-1.3% YoY
|
3.8%
+2.3% YoY
|
Top 4.3% in tier |
| Efficiency Ratio |
97.7%
+10.6% YoY-13.3% QoQ
|
+21.0% |
76.7%
-0.8% YoY
|
79.7%
+5.8% YoY
|
83.0%
-5.3% YoY
|
Bottom 2.6% in tier |
| Delinquency Rate |
0.3%
-12.2% YoY-1.2% QoQ
|
-0.6 |
0.9%
+6.6% YoY
|
1.1%
+14.2% YoY
|
1.3%
+2.6% YoY
|
15% |
| Loan To Share |
73.3%
-6.9% YoY+1.6% QoQ
|
+1.7% |
71.5%
-0.3% YoY
|
70.2%
-0.9% YoY
|
66.4%
-1.4% YoY
|
51% |
| AMR |
$12,960
+0.2% YoY-1.2% QoQ
|
$-12K |
$25,107
+3.2% YoY
|
$17,221
+4.1% YoY
|
$20,028
-0.9% YoY
|
Bottom 3.5% in tier |
| CD Concentration |
22.3%
+9.2% YoY+5.1% QoQ
|
-2.2% | 24.6% | 18.3% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 6.0% | 7.7% | 50% |
Signature Analysis
Strengths (2)
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
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)