BlastPoint's Credit Union Scorecard
PALMETTO FIRST
Charter #24491 · SC
PALMETTO FIRST has 6 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.76% above tier average
- + Net Interest Margin 1.33% above tier average
- + Total Members: Top 6.7% in tier
- + Fee Income Per Member: Top 8.4% in tier
- + Total Loans: Top 8.5% in tier
- + Loan Growth Rate: Top 9.3% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 0.29% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (SC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
6,501
+2.4% YoY+1.0% QoQ
|
+3.8K |
2,676
+1.6% YoY
|
37,268
+3.6% YoY
|
33,913
+5.7% YoY
|
Top 6.7% in tier |
| Assets |
$63.8M
+1.9% YoY+3.7% QoQ
|
+$33.6M |
$30.2M
+1.3% YoY
|
$534.3M
+6.5% YoY
|
$578.3M
+9.0% YoY
|
85% |
| Loans |
$41.4M
+10.6% YoY+1.4% QoQ
|
+$26.1M |
$15.3M
-2.0% YoY
|
$369.7M
+7.8% YoY
|
$402.4M
+8.7% YoY
|
Top 8.6% in tier |
| Deposits |
$50.4M
-0.1% YoY+4.1% QoQ
|
+$24.6M |
$25.8M
+0.7% YoY
|
$450.9M
+6.0% YoY
|
$494.3M
+9.1% YoY
|
82% |
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| ROA |
1.9%
+4.3% YoY-2.4% QoQ
|
+1.8% |
0.1%
-77.6% YoY
|
0.7%
-43.3% YoY
|
0.4%
-39.2% YoY
|
Top 7.9% in tier |
| NIM |
5.3%
+1.3% YoY-2.2% QoQ
|
+1.3% |
4.0%
+4.0% YoY
|
4.1%
-0.5% YoY
|
3.8%
+4.1% YoY
|
Top 7.6% in tier |
| Efficiency Ratio |
62.9%
-2.1% YoY-1.3% QoQ
|
-27.7% |
90.6%
+6.5% YoY
|
81.4%
+7.0% YoY
|
84.6%
+2.8% YoY
|
16% |
| Delinquency Rate |
1.8%
-1.6% YoY-27.0% QoQ
|
+0.3 |
1.5%
+3.8% YoY
|
0.8%
+19.1% YoY
|
1.2%
+3.4% YoY
|
79% |
| Loan To Share |
82.2%
+10.7% YoY-2.6% QoQ
|
+23.7% |
58.5%
-3.0% YoY
|
69.5%
-0.5% YoY
|
65.6%
-1.4% YoY
|
84% |
| AMR |
$14,120
+2.1% YoY+1.9% QoQ
|
$-764 |
$14,884
-1.7% YoY
|
$16,971
+2.3% YoY
|
$19,920
+1.6% YoY
|
51% |
| CD Concentration |
4.0%
+4.8% YoY-4.8% QoQ
|
-20.3% | 24.3% | 18.0% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 5.9% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)