BlastPoint's Credit Union Scorecard
PALMETTO FIRST
Charter #24491 · SC
PALMETTO FIRST has 6 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.18% above tier average
- + Net Interest Margin 1.54% above tier average
- + Total Members: Top 6.5% in tier
- + Total Loans: Top 8.5% in tier
- + Fee Income Per Member: Top 9.2% in tier
- + Loan Growth Rate: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 0.35% above tier average
- - Net Charge-Off Rate: Bottom 8.0% 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 2,437 credit unions with under $100M in assets nationally, and 1 of 23 that size in South Carolina.
- Shares and deposits +1.7% year over year ($50.5M in shares and deposits).
- Membership: 6,576 members, +2.9% vs a year ago.
- Delinquency rate 1.89%.
- Return on assets 1.67%.
- Efficiency ratio 62.69% vs a 88.77% peer average.
- Loan-to-share ratio 84.75% vs a 58.89% 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 |
6,576
+2.9% YoY+1.2% QoQ
|
+4.0K |
2,585
-1.7% YoY
|
38,222
+5.6% YoY
|
34,678
+6.6% YoY
|
Top 6.5% in tier |
| Assets |
$64.1M
+3.2% YoY+0.5% QoQ
|
+$33.8M |
$30.3M
+1.5% YoY
|
$548.9M
+9.6% YoY
|
$593.1M
+10.2% YoY
|
85% |
| Loans |
$42.8M
+10.6% YoY+3.4% QoQ
|
+$27.3M |
$15.5M
-1.7% YoY
|
$385.7M
+10.8% YoY
|
$418.6M
+10.1% YoY
|
Top 8.6% in tier |
| Deposits |
$50.5M
+1.7% YoY+0.2% QoQ
|
+$24.7M |
$25.8M
+1.1% YoY
|
$462.6M
+9.2% YoY
|
$504.8M
+10.3% YoY
|
82% |
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| ROA |
1.7%
-9.3% YoY-12.4% QoQ
|
+0.2% |
1.5%
+241.5% YoY
|
0.9%
-19.6% YoY
|
1.2%
+121.4% YoY
|
84% |
| NIM |
5.4%
+2.8% YoY+2.0% QoQ
|
+1.5% |
3.9%
+0.9% YoY
|
4.2%
-1.3% YoY
|
3.8%
+2.3% YoY
|
Top 6.4% in tier |
| Efficiency Ratio |
62.7%
-2.7% YoY-0.4% QoQ
|
-26.1% |
88.8%
-6.9% YoY
|
79.7%
+5.8% YoY
|
83.0%
-5.3% YoY
|
Top 14.4% in tier |
| Delinquency Rate |
1.9%
-6.8% YoY+5.8% QoQ
|
+0.3 |
1.5%
+2.1% YoY
|
1.1%
+14.2% YoY
|
1.3%
+2.6% YoY
|
77% |
| Loan To Share |
84.7%
+8.8% YoY+3.2% QoQ
|
+25.9% |
58.9%
-3.1% YoY
|
70.2%
-0.9% YoY
|
66.4%
-1.4% YoY
|
Top 14.4% in tier |
| AMR |
$14,185
+2.6% YoY+0.5% QoQ
|
$-778 |
$14,963
-6.8% YoY
|
$17,221
+4.1% YoY
|
$20,028
-0.9% YoY
|
51% |
| CD Concentration |
3.8%
-1.7% YoY-4.4% QoQ
|
-20.7% | 24.6% | 18.3% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 6.0% | 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)