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 1.33% above tier average
- + Net Interest Margin 1.50% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Total Members: Top 7.5% in tier
- + Total Loans: Top 9.7% in tier
- + Loan Growth Rate: Top 9.9% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 0.90% above tier average
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (SC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
6,438
-1.3% YoY+0.5% QoQ
|
+3.8K |
2,615
-1.9% YoY
|
37,100
+2.2% YoY
|
33,374
+5.7% YoY
|
Top 7.5% in tier |
| Assets |
$61.5M
+2.8% YoY-2.3% QoQ
|
+$31.4M |
$30.1M
+2.1% YoY
|
$523.8M
+6.7% YoY
|
$561.6M
+9.7% YoY
|
84% |
| Loans |
$40.8M
+10.7% YoY+1.4% QoQ
|
+$25.1M |
$15.8M
-1.3% YoY
|
$367.9M
+7.3% YoY
|
$397.0M
+8.8% YoY
|
Top 9.8% in tier |
| Deposits |
$48.4M
+0.8% YoY-3.6% QoQ
|
+$22.7M |
$25.7M
+1.4% YoY
|
$439.0M
+5.8% YoY
|
$477.3M
+9.7% YoY
|
81% |
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| ROA |
2.0%
+5.1% YoY+3.2% QoQ
|
+1.3% |
0.6%
+10.8% YoY
|
1.0%
+5.1% YoY
|
0.7%
+15.9% YoY
|
Top 7.5% in tier |
| NIM |
5.5%
-2.2% YoY+1.5% QoQ
|
+1.5% |
4.0%
+4.0% YoY
|
4.2%
+0.5% YoY
|
3.8%
+5.1% YoY
|
Top 7.7% in tier |
| Efficiency Ratio |
63.8%
-1.9% YoY-0.8% QoQ
|
-18.8% |
82.6%
-2.3% YoY
|
76.9%
-0.6% YoY
|
79.7%
-3.3% YoY
|
16% |
| Delinquency Rate |
2.5%
+28.8% YoY+30.7% QoQ
|
+0.9 |
1.6%
-3.1% YoY
|
1.0%
+13.3% YoY
|
1.3%
-2.1% YoY
|
83% |
| Loan To Share |
84.4%
+9.8% YoY+5.1% QoQ
|
+23.8% |
60.6%
-3.1% YoY
|
71.5%
-0.9% YoY
|
67.4%
-1.7% YoY
|
84% |
| AMR |
$13,857
+6.5% YoY-1.8% QoQ
|
$-925 |
$14,783
-1.4% YoY
|
$16,782
+2.9% YoY
|
$19,687
+2.0% YoY
|
50% |
| CD Concentration |
4.2%
+5.7% YoY+6.0% QoQ
|
-20.2% | 24.4% | 17.8% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 5.9% | 7.8% | 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)