BlastPoint's Credit Union Scorecard
1ST COOPERATIVE
Charter #24627 · SC
1ST COOPERATIVE has 5 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.14% above tier average
- + Net Interest Margin 2.13% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Members Per Employee (MPE): Top 2.6% in tier
Key Concerns
Areas that may need attention
- - AMR Growth Rate: Bottom 9.6% in tier
- - Loan Growth Rate: Bottom 9.9% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (SC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,500
-0.9% YoY-0.4% QoQ
|
-115 |
2,615
-1.9% YoY
|
37,100
+2.2% YoY
|
33,374
+5.7% YoY
|
60% |
| Assets |
$21.4M
+0.3% YoY-1.0% QoQ
|
$-8.8M |
$30.1M
+2.1% YoY
|
$523.8M
+6.7% YoY
|
$561.6M
+9.7% YoY
|
50% |
| Loans |
$15.2M
-15.3% YoY-2.6% QoQ
|
$-564K |
$15.8M
-1.3% YoY
|
$367.9M
+7.3% YoY
|
$397.0M
+8.8% YoY
|
62% |
| Deposits |
$18.3M
-1.8% YoY-1.6% QoQ
|
$-7.4M |
$25.7M
+1.4% YoY
|
$439.0M
+5.8% YoY
|
$477.3M
+9.7% YoY
|
50% |
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| ROA |
1.8%
-1002.2% YoY-3.7% QoQ
|
+1.1% |
0.6%
+10.8% YoY
|
1.0%
+5.1% YoY
|
0.7%
+15.9% YoY
|
Top 10.5% in tier |
| NIM |
6.1%
+9.7% YoY+1.6% QoQ
|
+2.1% |
4.0%
+4.0% YoY
|
4.2%
+0.5% YoY
|
3.8%
+5.1% YoY
|
Top 3.5% in tier |
| Efficiency Ratio |
78.2%
-2.8% YoY+0.8% QoQ
|
-4.3% |
82.6%
-2.3% YoY
|
76.9%
-0.6% YoY
|
79.7%
-3.3% YoY
|
47% |
| Delinquency Rate |
0.4%
+46.4% YoY-56.2% QoQ
|
-1.1 |
1.6%
-3.1% YoY
|
1.0%
+13.3% YoY
|
1.3%
-2.1% YoY
|
37% |
| Loan To Share |
83.3%
-13.7% YoY-1.0% QoQ
|
+22.6% |
60.6%
-3.1% YoY
|
71.5%
-0.9% YoY
|
67.4%
-1.7% YoY
|
83% |
| AMR |
$13,381
-7.7% YoY-1.7% QoQ
|
$-1K |
$14,783
-1.4% YoY
|
$16,782
+2.9% YoY
|
$19,687
+2.0% YoY
|
48% |
| CD Concentration |
22.1%
+14.6% YoY-1.6% QoQ
|
-2.3% | 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)