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 2.05% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Members Per Employee (MPE): Top 2.5% in tier
Key Concerns
Areas that may need attention
- - AMR Growth Rate: Bottom 6.1% in tier
- - Deposit Growth Rate: Bottom 7.8% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (SC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,511
-1.1% YoY-0.4% QoQ
|
-114 |
2,625
-2.2% YoY
|
37,124
+2.2% YoY
|
33,089
+6.1% YoY
|
60% |
| Assets |
$21.6M
-6.4% YoY-2.1% QoQ
|
$-8.2M |
$29.9M
+1.1% YoY
|
$514.3M
+4.6% YoY
|
$547.7M
+7.8% YoY
|
50% |
| Loans |
$15.6M
-16.1% YoY-4.5% QoQ
|
$-159K |
$15.8M
-2.4% YoY
|
$362.8M
+7.0% YoY
|
$388.7M
+8.6% YoY
|
62% |
| Deposits |
$18.6M
-9.5% YoY-2.8% QoQ
|
$-6.9M |
$25.5M
+0.4% YoY
|
$433.3M
+6.0% YoY
|
$464.6M
+9.3% YoY
|
50% |
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| ROA |
1.8%
-273.2% YoY-15.1% QoQ
|
+1.1% |
0.7%
-731.4% YoY
|
1.2%
+18.8% YoY
|
0.7%
+273.4% YoY
|
Top 12.4% in tier |
| NIM |
6.0%
+19.0% YoY+1.8% QoQ
|
+2.0% |
3.9%
+3.8% YoY
|
4.3%
+2.6% YoY
|
3.7%
+5.0% YoY
|
Top 4.3% in tier |
| Efficiency Ratio |
77.6%
-9.3% YoY-0.4% QoQ
|
-3.8% |
81.4%
-2.4% YoY
|
75.1%
-1.9% YoY
|
79.1%
-3.3% YoY
|
48% |
| Delinquency Rate |
0.9%
+140.6% YoY+90.5% QoQ
|
-0.6 |
1.5%
-2.0% YoY
|
0.9%
+10.3% YoY
|
1.2%
-0.9% YoY
|
59% |
| Loan To Share |
84.1%
-7.2% YoY-1.7% QoQ
|
+22.9% |
61.2%
-3.0% YoY
|
71.3%
-1.2% YoY
|
68.0%
-1.7% YoY
|
82% |
| AMR |
$13,607
-11.7% YoY-3.3% QoQ
|
$-1K |
$14,627
-2.7% YoY
|
$16,641
+2.9% YoY
|
$19,418
+1.3% YoY
|
50% |
| CD Concentration |
22.4%
+32.4% YoY+6.4% QoQ
|
-2.0% |
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)