BlastPoint's Credit Union Scorecard
PALMETTO FIRST
Charter #24491 · SC
PALMETTO FIRST has 4 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.21% above tier average
- + Net Interest Margin 1.44% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Total Members: Top 7.6% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 0.37% above tier average
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (SC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
6,409
+1.1% YoY+0.3% QoQ
|
+3.8K |
2,625
-2.2% YoY
|
37,124
+2.2% YoY
|
33,089
+6.1% YoY
|
Top 7.7% in tier |
| Assets |
$63.0M
+8.7% YoY+1.3% QoQ
|
+$33.1M |
$29.9M
+1.1% YoY
|
$514.3M
+4.6% YoY
|
$547.7M
+7.8% YoY
|
84% |
| Loans |
$40.3M
+7.8% YoY+4.1% QoQ
|
+$24.5M |
$15.8M
-2.4% YoY
|
$362.8M
+7.0% YoY
|
$388.7M
+8.6% YoY
|
Top 10.2% in tier |
| Deposits |
$50.2M
+8.5% YoY+1.1% QoQ
|
+$24.7M |
$25.5M
+0.4% YoY
|
$433.3M
+6.0% YoY
|
$464.6M
+9.3% YoY
|
82% |
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| ROA |
1.9%
-4.0% YoY+2.8% QoQ
|
+1.2% |
0.7%
-731.4% YoY
|
1.2%
+18.8% YoY
|
0.7%
+273.4% YoY
|
Top 10.9% in tier |
| NIM |
5.4%
-4.7% YoY+1.6% QoQ
|
+1.4% |
3.9%
+3.8% YoY
|
4.3%
+2.6% YoY
|
3.7%
+5.0% YoY
|
Top 8.9% in tier |
| Efficiency Ratio |
64.3%
+0.7% YoY-0.1% QoQ
|
-17.1% |
81.4%
-2.4% YoY
|
75.1%
-1.9% YoY
|
79.1%
-3.3% YoY
|
20% |
| Delinquency Rate |
1.9%
-0.2% YoY-7.6% QoQ
|
+0.4 |
1.5%
-2.0% YoY
|
0.9%
+10.3% YoY
|
1.2%
-0.9% YoY
|
78% |
| Loan To Share |
80.3%
-0.7% YoY+3.0% QoQ
|
+19.0% |
61.2%
-3.0% YoY
|
71.3%
-1.2% YoY
|
68.0%
-1.7% YoY
|
78% |
| AMR |
$14,115
+7.0% YoY+2.1% QoQ
|
$-511 |
$14,627
-2.7% YoY
|
$16,641
+2.9% YoY
|
$19,418
+1.3% YoY
|
52% |
| CD Concentration |
4.0%
-6.7% YoY+1.9% QoQ
|
-20.4% |
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 (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)