BlastPoint's Credit Union Scorecard
SPC
Charter #60686 · SC
SPC has 1 strength but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.06% above tier average
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 50.0% in tier
- - ROA 0.22% below tier average
- - Efficiency ratio 3.18% above tier (higher cost structure)
- - Delinquency rate 0.25% above tier average
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 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 9 that size in South Carolina.
- Shares and deposits +5.5% year over year ($234M in shares and deposits).
- Membership: 25,511 members, +0.2% vs a year ago.
- Delinquency rate 1.13%.
- Return on assets 0.65%.
- Efficiency ratio 79.91% vs a 76.73% peer average.
- Loan-to-share ratio 67.72% vs a 71.54% 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 |
25,511
+0.2% YoY-1.6% QoQ
|
+10.3K |
15,168
-2.6% YoY
|
38,222
+5.6% YoY
|
34,678
+6.6% YoY
|
Top 11.7% in tier |
| Assets |
$265.8M
+7.5% YoY-0.1% QoQ
|
+$33.8M |
$232.0M
+0.7% YoY
|
$548.9M
+9.6% YoY
|
$593.1M
+10.2% YoY
|
67% |
| Loans |
$158.7M
+2.5% YoY+3.4% QoQ
|
+$12.4M |
$146.3M
+0.2% YoY
|
$385.7M
+10.8% YoY
|
$418.6M
+10.1% YoY
|
64% |
| Deposits |
$234.3M
+5.5% YoY-0.6% QoQ
|
+$33.6M |
$200.7M
+0.2% YoY
|
$462.6M
+9.2% YoY
|
$504.8M
+10.3% YoY
|
67% |
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| ROA |
0.6%
+1.3% YoY-22.9% QoQ
|
-0.2% |
0.9%
+12.5% YoY
|
0.9%
-19.6% YoY
|
1.2%
+121.4% YoY
|
40% |
| NIM |
3.7%
-8.5% YoY+1.1% QoQ
|
+0.1% |
3.7%
+4.5% YoY
|
4.2%
-1.3% YoY
|
3.8%
+2.3% YoY
|
54% |
| Efficiency Ratio |
79.9%
-0.9% YoY+2.4% QoQ
|
+3.2% |
76.7%
-0.8% YoY
|
79.7%
+5.8% YoY
|
83.0%
-5.3% YoY
|
57% |
| Delinquency Rate |
1.1%
-19.1% YoY+4.9% QoQ
|
+0.2 |
0.9%
+6.6% YoY
|
1.1%
+14.2% YoY
|
1.3%
+2.6% YoY
|
74% |
| Loan To Share |
67.7%
-2.8% YoY+4.1% QoQ
|
-3.8% |
71.5%
-0.3% YoY
|
70.2%
-0.9% YoY
|
66.4%
-1.4% YoY
|
39% |
| AMR |
$15,402
+4.1% YoY+2.6% QoQ
|
$-10K |
$25,107
+3.2% YoY
|
$17,221
+4.1% YoY
|
$20,028
-0.9% YoY
|
Bottom 10.5% in tier |
| CD Concentration |
18.8%
+28.2% YoY+9.1% QoQ
|
-5.7% | 24.6% | 18.3% | 20.0% | 50% |
| Indirect Auto % |
18.4%
-6.7% YoY-1.6% QoQ
|
+4.8% | 13.6% | 6.0% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (1)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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)