BlastPoint's Credit Union Scorecard
NEIGHBORS UNITED
Charter #24851 · SC
NEIGHBORS UNITED has 2 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Fee Income Per Member: Top 4.0% in tier
- + Total Members: Top 4.7% in tier
Key Concerns
Areas that may need attention
- - ROA 1.12% below tier average
- - Efficiency ratio 18.81% 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 |
7,234
+3.5% YoY+0.9% QoQ
|
+4.6K |
2,676
+1.6% YoY
|
37,268
+3.6% YoY
|
33,913
+5.7% YoY
|
Top 4.8% in tier |
| Assets |
$65.8M
-0.9% YoY+3.9% QoQ
|
+$35.6M |
$30.2M
+1.3% YoY
|
$534.3M
+6.5% YoY
|
$578.3M
+9.0% YoY
|
Top 14.2% in tier |
| Loans |
$36.5M
+9.5% YoY-1.3% QoQ
|
+$21.2M |
$15.3M
-2.0% YoY
|
$369.7M
+7.8% YoY
|
$402.4M
+8.7% YoY
|
Top 12.3% in tier |
| Deposits |
$57.0M
+0.4% YoY+2.8% QoQ
|
+$31.2M |
$25.8M
+0.7% YoY
|
$450.9M
+6.0% YoY
|
$494.3M
+9.1% YoY
|
Top 13.9% in tier |
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| ROA |
-1.0%
-277.8% YoY-346.3% QoQ
|
-1.1% |
0.1%
-77.6% YoY
|
0.7%
-43.3% YoY
|
0.4%
-39.2% YoY
|
Bottom 8.6% in tier |
| NIM |
3.4%
+4.0% YoY-2.3% QoQ
|
-0.6% |
4.0%
+4.0% YoY
|
4.1%
-0.5% YoY
|
3.8%
+4.1% YoY
|
33% |
| Efficiency Ratio |
109.4%
+20.6% YoY+20.6% QoQ
|
+18.8% |
90.6%
+6.5% YoY
|
81.4%
+7.0% YoY
|
84.6%
+2.8% YoY
|
Bottom 9.8% in tier |
| Delinquency Rate |
0.9%
+182.1% YoY+3.1% QoQ
|
-0.6 |
1.5%
+3.8% YoY
|
0.8%
+19.1% YoY
|
1.2%
+3.4% YoY
|
61% |
| Loan To Share |
64.0%
+9.1% YoY-4.0% QoQ
|
+5.5% |
58.5%
-3.0% YoY
|
69.5%
-0.5% YoY
|
65.6%
-1.4% YoY
|
58% |
| AMR |
$12,929
+0.2% YoY+0.2% QoQ
|
$-2K |
$14,884
-1.7% YoY
|
$16,971
+2.3% YoY
|
$19,920
+1.6% YoY
|
44% |
| CD Concentration |
12.7%
-2.0% YoY-3.5% QoQ
|
-11.6% | 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)