BlastPoint's Credit Union Scorecard
SPC
Charter #60686 · SC
SPC has 4 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Leader: Top 49.4% in tier
- + Organic Growth Engine: Top 56.1% in tier
- + ROA 0.14% above tier average
- + Net Interest Margin 0.45% above tier average
Key Concerns
Areas that may need attention
- - Margin Compression: Bottom 29.5% in tier
- - Cost Spiral: Bottom 77.8% in tier
- - Indirect Auto Dependency: Bottom 85.5% in tier
- - Efficiency ratio 1.03% above tier (higher cost structure)
- - Delinquency rate 0.42% above tier average
- - Average Member Relationship (AMR): Bottom 8.9% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (SC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
25,722
+2.6% YoY-0.7% QoQ
|
+10.3K |
15,437
-2.9% YoY
|
37,100
+2.2% YoY
|
33,374
+5.7% YoY
|
Top 11.3% in tier |
| Assets |
$253.9M
+5.6% YoY+1.2% QoQ
|
+$22.1M |
$231.9M
+1.3% YoY
|
$523.8M
+6.7% YoY
|
$561.6M
+9.7% YoY
|
64% |
| Loans |
$158.1M
-2.4% YoY+0.1% QoQ
|
+$10.8M |
$147.3M
-0.1% YoY
|
$367.9M
+7.3% YoY
|
$397.0M
+8.8% YoY
|
63% |
| Deposits |
$224.9M
+6.5% YoY+1.0% QoQ
|
+$24.1M |
$200.8M
+0.8% YoY
|
$439.0M
+5.8% YoY
|
$477.3M
+9.7% YoY
|
65% |
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| ROA |
0.9%
-48.2% YoY+20.9% QoQ
|
+0.1% |
0.8%
+18.2% YoY
|
1.0%
+5.1% YoY
|
0.7%
+15.9% YoY
|
61% |
| NIM |
4.1%
-1.0% YoY-1.6% QoQ
|
+0.4% |
3.6%
+6.7% YoY
|
4.2%
+0.5% YoY
|
3.8%
+5.1% YoY
|
75% |
| Efficiency Ratio |
78.0%
+9.1% YoY-1.5% QoQ
|
+1.0% |
77.0%
-3.1% YoY
|
76.9%
-0.6% YoY
|
79.7%
-3.3% YoY
|
53% |
| Delinquency Rate |
1.3%
-14.8% YoY-9.5% QoQ
|
+0.4 |
0.9%
+4.2% YoY
|
1.0%
+13.3% YoY
|
1.3%
-2.1% YoY
|
82% |
| Loan To Share |
70.3%
-8.4% YoY-0.8% QoQ
|
-1.9% |
72.2%
-1.1% YoY
|
71.5%
-0.9% YoY
|
67.4%
-1.7% YoY
|
43% |
| AMR |
$14,891
+0.1% YoY+1.4% QoQ
|
$-10K |
$24,676
+3.4% YoY
|
$16,782
+2.9% YoY
|
$19,687
+2.0% YoY
|
Bottom 8.8% in tier |
| CD Concentration |
16.0%
+20.0% YoY+6.2% QoQ
|
-8.4% | 24.4% | 17.8% | 19.8% | 50% |
| Indirect Auto % |
18.4%
-16.7% YoY-2.6% QoQ
|
+4.6% | 13.8% | 5.9% | 7.8% | 50% |
Signature Analysis
Strengths (2)
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (3)
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.
Cost Spiral
riskHistorically lean operator (<75% efficiency) now seeing 5+ point efficiency ratio increase despite strong profitability (>0.50% ROA). Efficiency advantage eroding.
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)