SPC

Charter #60686 | SC

100M-500M (1077 CUs) Micro
10 100M-500M in SC

SPC has 3 strengths but faces 8 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Organic Growth Leader: Top 10.9% in tier
  • + Organic Growth Engine: Top 18.7% in tier
  • + Net Interest Margin 0.53% above tier average

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 11.5% in tier
  • - Shrinking Wallet Share: Bottom 16.3% in tier
  • - Cost Spiral: Bottom 24.3% in tier
  • - Indirect Auto Dependency: Bottom 27.9% in tier
  • - ROA 0.04% below tier average
  • - Efficiency ratio 1.96% above tier (higher cost structure)
  • - Delinquency rate 0.60% above tier average
  • - Average Member Relationship (AMR): Bottom 8.8% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (SC) National Avg Tier Percentile
Members 25,911
+3.4% YoY+1.8% QoQ
 +10.3K 15,628
-3.4% YoY
 37,124
+2.2% YoY
 33,089
+6.1% YoY
 Top 11.3% in tier
Assets $250.9M
+4.8% YoY+1.5% QoQ
 +$19.6M $231.3M
-0.0% YoY
 $514.3M
+4.6% YoY
 $547.7M
+7.8% YoY
 64th in tier
Loans $157.9M
-5.1% YoY+2.1% QoQ
 +$10.2M $147.8M
-1.4% YoY
 $362.8M
+7.0% YoY
 $388.7M
+8.6% YoY
 63rd in tier
Deposits $222.7M
+6.7% YoY+0.3% QoQ
 +$22.4M $200.3M
-0.0% YoY
 $433.3M
+6.0% YoY
 $464.6M
+9.3% YoY
 64th in tier
ROA 0.7%
-49.0% YoY+16.9% QoQ
 -0.0% 0.8%
+15.5% YoY
 1.2%
+18.8% YoY
 0.7%
+273.4% YoY
 49th in tier
NIM 4.1%
+1.9% YoY+0.7% QoQ
 +0.5% 3.6%
+6.9% YoY
 4.3%
+2.6% YoY
 3.7%
+5.0% YoY
 Top 20.7% in tier
Efficiency Ratio 79.2%
+7.2% YoY-1.8% QoQ
 +2.0% 77.3%
-3.0% YoY
 75.1%
-1.9% YoY
 79.1%
-3.3% YoY
 58th in tier
Delinquency Rate 1.5%
+22.5% YoY+4.1% QoQ
 +0.6 0.9%
+7.6% YoY
 0.9%
+10.3% YoY
 1.2%
-0.9% YoY
 Top 15.7% in tier
Loan To Share 70.9%
-11.1% YoY+1.7% QoQ
 -1.8% 72.7%
-1.5% YoY
 71.3%
-1.2% YoY
 68.0%
-1.7% YoY
 42nd in tier
AMR $14,691
-1.8% YoY-0.7% QoQ
 $-10K $24,363
+2.9% YoY
 $16,641
+2.9% YoY
 $19,418
+1.3% YoY
 Bottom 8.7% in tier
CD Concentration 15.1%
+19.0% YoY+2.7% QoQ
 -9.3% 24.4%
+4.2% YoY
 17.4%
+3.6% YoY
 19.6%
+6.2% YoY
 50th in tier
Indirect Auto % 18.9%
-18.6% YoY-4.2% QoQ
 +5.0% 14.0%
-5.8% YoY
 5.9%
-5.3% YoY
 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (2)

Organic Growth Leader

growth
#145 of 430 • Top 10.9% in tier

Attracting members without relying on indirect channels. Healthy, sustainable growth model.

Why This Signature
Member Growth (YoY): 3.35%
(Tier: 0.88%, National: 9.37%)
better than tier avg
430 of 1077 Community CUs have this signature | 608 nationally
↓ Shrinking -21 CUs YoY | New qualifier

Organic Growth Engine

growth
#344 of 603 • Top 18.7% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 3.35%
(Tier: 0.88%, National: 9.37%)
better than tier avg
Return on Assets: 0.75%
(Tier: 0.77%, National: 0.71%)
but worse than tier avg
Indirect Auto %: 18.93%
(Tier: 13.96%, National: 7.90%)
but worse than tier avg
603 of 1077 Community CUs have this signature | 917 nationally
→ Stable (608→603 CUs) -5 CUs YoY | Rank worsening

Concerns (4)

Credit Quality Pressure

risk
#286 of 736 • Bottom 11.5% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature
Delinquency Change (YoY): 0.27% points
(Tier: 0.04% points, National: 0.07% points)
worse than tier avg
736 of 1077 Community CUs have this signature | 1002 nationally
↓ Shrinking -199 CUs YoY | Rank worsening

Shrinking Wallet Share

decline
#163 of 244 • Bottom 16.3% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature
AMR Growth (YoY): -1.82%
(Tier: 3.68%, National: 4.19%)
worse than tier avg
244 of 1077 Community CUs have this signature | 346 nationally
↓ Shrinking -221 CUs YoY | Rank worsening

Cost Spiral

risk
#60 of 62 • Bottom 24.3% in tier

Historically lean operator now seeing efficiency ratio rise significantly. Efficiency advantage eroding - early intervention critical.

Why This Signature
Efficiency Ratio Change: 5.32% points
(Tier: -2.84% points, National: -1.81% points)
worse than tier avg
Efficiency Ratio (Prior Year): -
(Tier: -, National: -)
Total Assets: $250.89M
(Tier: $231.30M, National: $547.69M)
but better than tier avg
62 of 1077 Community CUs have this signature | 80 nationally
↓ Shrinking -38 CUs YoY | New qualifier

Indirect Auto Dependency

risk
#449 of 525 • Bottom 27.9% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature
Asset Growth (YoY): 4.84%
(Tier: 4.61%, National: 3.04%)
but better than tier avg
Indirect Auto %: 18.93%
(Tier: 13.96%, National: 7.90%)
worse than tier avg
Member Growth (YoY): 3.35%
(Tier: 0.88%, National: 9.37%)
but better than tier avg
525 of 1077 Community CUs have this signature | 768 nationally
↓ Shrinking -18 CUs YoY | Rank worsening

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)

Comparing against 1077 peers in tier

Top Strengths (5 metrics)

122
Total Members
engagement
Value: 25,911
Peer Avg: 15,628
#122 of 1077 Top 11.2% in 100M-500M tier
172
Fee Income Per Member
profitability
Value: $239.07
Peer Avg: $174.31
#172 of 1077 Top 15.9% in 100M-500M tier
178
Member Growth Rate
growth
Value: 3.35%
Peer Avg: 0.72%
#178 of 1077 Top 16.4% in 100M-500M tier
223
Net Interest Margin (NIM)
profitability
Value: 4.12%
Peer Avg: 3.58%
#223 of 1077 Top 20.6% in 100M-500M tier
241
Share Certificate Concentration (%)
balance_sheet
Value: 15.09%
Peer Avg: 23.61%
#241 of 1077 Top 22.3% in 100M-500M tier

Top Weaknesses (6 metrics)

983
Average Member Relationship (AMR)
engagement
Value: $14,691
Peer Avg: $24,363
#983 of 1077 Bottom 8.8% in 100M-500M tier
953
Net Charge-Off Rate
risk
Value: 0.91%
Peer Avg: 0.47%
#953 of 1077 Bottom 11.6% in 100M-500M tier
946
AMR Growth Rate
growth
Value: -1.82%
Peer Avg: 3.64%
#946 of 1077 Bottom 12.3% in 100M-500M tier
942
Loan Growth Rate
growth
Value: -5.13%
Peer Avg: 3.45%
#942 of 1077 Bottom 12.6% in 100M-500M tier
921
Loan-to-Member Ratio (LMR)
engagement
Value: $6,096
Peer Avg: $10,245
#921 of 1077 Bottom 14.6% in 100M-500M tier
909
Total Delinquency Rate (60+ days)
risk
Value: 1.45%
Peer Avg: 0.86%
#909 of 1077 Bottom 15.7% in 100M-500M tier