BlastPoint's Credit Union Scorecard
NEIGHBORS UNITED
Charter #24851 · SC
NEIGHBORS UNITED has 3 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Fee Income Per Member: Top 3.2% in tier
- + Total Members: Top 4.4% in tier
- + Member Growth Rate: Top 8.0% in tier
Key Concerns
Areas that may need attention
- - ROA 0.93% below tier average
- - Efficiency ratio 16.60% above tier (higher cost structure)
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 +1.1% year over year ($56.3M in shares and deposits).
- Membership: 7,281 members, +4.2% vs a year ago.
- Delinquency rate 1.27%.
- Return on assets 0.56%.
- Efficiency ratio 105.37% vs a 88.77% peer average.
- Loan-to-share ratio 66.03% 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 |
7,281
+4.2% YoY+0.6% QoQ
|
+4.7K |
2,585
-1.7% YoY
|
38,222
+5.6% YoY
|
34,678
+6.6% YoY
|
Top 4.4% in tier |
| Assets |
$64.0M
-2.1% YoY-2.8% QoQ
|
+$33.7M |
$30.3M
+1.5% YoY
|
$548.9M
+9.6% YoY
|
$593.1M
+10.2% YoY
|
85% |
| Loans |
$37.1M
+2.3% YoY+1.8% QoQ
|
+$21.7M |
$15.5M
-1.7% YoY
|
$385.7M
+10.8% YoY
|
$418.6M
+10.1% YoY
|
Top 12.2% in tier |
| Deposits |
$56.3M
+1.1% YoY-1.3% QoQ
|
+$30.5M |
$25.8M
+1.1% YoY
|
$462.6M
+9.2% YoY
|
$504.8M
+10.3% YoY
|
Top 14.6% in tier |
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| ROA |
0.6%
-12.6% YoY-157.8% QoQ
|
-0.9% |
1.5%
+241.5% YoY
|
0.9%
-19.6% YoY
|
1.2%
+121.4% YoY
|
35% |
| NIM |
3.5%
+3.4% YoY+2.1% QoQ
|
-0.4% |
3.9%
+0.9% YoY
|
4.2%
-1.3% YoY
|
3.8%
+2.3% YoY
|
34% |
| Efficiency Ratio |
105.4%
+17.9% YoY-3.7% QoQ
|
+16.6% |
88.8%
-6.9% YoY
|
79.7%
+5.8% YoY
|
83.0%
-5.3% YoY
|
Bottom 10.1% in tier |
| Delinquency Rate |
1.3%
+46.8% YoY+40.7% QoQ
|
-0.3 |
1.5%
+2.1% YoY
|
1.1%
+14.2% YoY
|
1.3%
+2.6% YoY
|
68% |
| Loan To Share |
66.0%
+1.1% YoY+3.1% QoQ
|
+7.1% |
58.9%
-3.1% YoY
|
70.2%
-0.9% YoY
|
66.4%
-1.4% YoY
|
61% |
| AMR |
$12,828
-2.5% YoY-0.8% QoQ
|
$-2K |
$14,963
-6.8% YoY
|
$17,221
+4.1% YoY
|
$20,028
-0.9% YoY
|
44% |
| CD Concentration |
13.4%
+4.7% YoY+5.7% QoQ
|
-11.1% | 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)