BlastPoint's Credit Union Scorecard
1ST COOPERATIVE
Charter #24627 · SC
1ST COOPERATIVE has 2 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 1.67% above tier average
- + Members Per Employee (MPE): Top 2.6% in tier
Key Concerns
Areas that may need attention
- - ROA 5.55% below tier average
- - Efficiency ratio 46.72% above tier (higher cost structure)
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (SC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,488
-1.7% YoY-0.5% QoQ
|
-188 |
2,676
+1.6% YoY
|
37,268
+3.6% YoY
|
33,913
+5.7% YoY
|
60% |
| Assets |
$22.0M
-2.2% YoY+3.0% QoQ
|
$-8.2M |
$30.2M
+1.3% YoY
|
$534.3M
+6.5% YoY
|
$578.3M
+9.0% YoY
|
50% |
| Loans |
$14.4M
-15.1% YoY-5.0% QoQ
|
$-844K |
$15.3M
-2.0% YoY
|
$369.7M
+7.8% YoY
|
$402.4M
+8.7% YoY
|
61% |
| Deposits |
$18.8M
-4.6% YoY+2.9% QoQ
|
$-7.0M |
$25.8M
+0.7% YoY
|
$450.9M
+6.0% YoY
|
$494.3M
+9.1% YoY
|
50% |
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| ROA |
-5.4%
-376.2% YoY-407.8% QoQ
|
-5.6% |
0.1%
-77.6% YoY
|
0.7%
-43.3% YoY
|
0.4%
-39.2% YoY
|
Bottom 1.6% in tier |
| NIM |
5.7%
-4.2% YoY-6.6% QoQ
|
+1.7% |
4.0%
+4.0% YoY
|
4.1%
-0.5% YoY
|
3.8%
+4.1% YoY
|
Top 5.3% in tier |
| Efficiency Ratio |
137.4%
+68.8% YoY+75.6% QoQ
|
+46.7% |
90.6%
+6.5% YoY
|
81.4%
+7.0% YoY
|
84.6%
+2.8% YoY
|
Bottom 3.9% in tier |
| Delinquency Rate |
0.5%
+92.2% YoY+22.7% QoQ
|
-1.0 |
1.5%
+3.8% YoY
|
0.8%
+19.1% YoY
|
1.2%
+3.4% YoY
|
44% |
| Loan To Share |
76.9%
-11.1% YoY-7.7% QoQ
|
+18.4% |
58.5%
-3.0% YoY
|
69.5%
-0.5% YoY
|
65.6%
-1.4% YoY
|
78% |
| AMR |
$13,353
-7.9% YoY-0.2% QoQ
|
$-2K |
$14,884
-1.7% YoY
|
$16,971
+2.3% YoY
|
$19,920
+1.6% YoY
|
47% |
| CD Concentration |
22.0%
+8.2% YoY-0.5% QoQ
|
-2.3% | 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)