BlastPoint's Credit Union Scorecard
NEIGHBORS UNITED
Charter #24851 · SC
NEIGHBORS UNITED has 4 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Fee Income Per Member: Top 2.2% in tier
- + Total Members: Top 5.1% in tier
- + Loan Growth Rate: Top 7.5% in tier
Key Concerns
Areas that may need attention
- - ROA 0.23% below tier average
- - Efficiency ratio 8.22% above tier (higher cost structure)
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (SC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
7,168
+3.0% YoY+0.1% QoQ
|
+4.6K |
2,615
-1.9% YoY
|
37,100
+2.2% YoY
|
33,374
+5.7% YoY
|
Top 5.2% in tier |
| Assets |
$63.3M
-1.9% YoY-2.6% QoQ
|
+$33.2M |
$30.1M
+2.1% YoY
|
$523.8M
+6.7% YoY
|
$561.6M
+9.7% YoY
|
84% |
| Loans |
$37.0M
+12.8% YoY-0.1% QoQ
|
+$21.2M |
$15.8M
-1.3% YoY
|
$367.9M
+7.3% YoY
|
$397.0M
+8.8% YoY
|
Top 12.6% in tier |
| Deposits |
$55.5M
-0.0% YoY-0.6% QoQ
|
+$29.8M |
$25.7M
+1.4% YoY
|
$439.0M
+5.8% YoY
|
$477.3M
+9.7% YoY
|
85% |
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| ROA |
0.4%
-54.4% YoY-11.0% QoQ
|
-0.2% |
0.6%
+10.8% YoY
|
1.0%
+5.1% YoY
|
0.7%
+15.9% YoY
|
35% |
| NIM |
3.5%
+1.7% YoY+2.0% QoQ
|
-0.4% |
4.0%
+4.0% YoY
|
4.2%
+0.5% YoY
|
3.8%
+5.1% YoY
|
35% |
| Efficiency Ratio |
90.8%
+7.4% YoY-0.5% QoQ
|
+8.2% |
82.6%
-2.3% YoY
|
76.9%
-0.6% YoY
|
79.7%
-3.3% YoY
|
76% |
| Delinquency Rate |
0.9%
+3.4% YoY+27.1% QoQ
|
-0.7 |
1.6%
-3.1% YoY
|
1.0%
+13.3% YoY
|
1.3%
-2.1% YoY
|
56% |
| Loan To Share |
66.7%
+12.9% YoY+0.5% QoQ
|
+6.1% |
60.6%
-3.1% YoY
|
71.5%
-0.9% YoY
|
67.4%
-1.7% YoY
|
59% |
| AMR |
$12,897
+1.7% YoY-0.5% QoQ
|
$-2K |
$14,783
-1.4% YoY
|
$16,782
+2.9% YoY
|
$19,687
+2.0% YoY
|
45% |
| CD Concentration |
13.2%
-3.6% YoY+0.3% QoQ
|
-11.3% | 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)