BlastPoint's Credit Union Scorecard
SPC
Charter #60686 · SC
SPC has 2 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.11% above tier average
- + Net Interest Margin 0.07% above tier average
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 50.0% in tier
- - Delinquency rate 0.30% above tier average
- - Average Member Relationship (AMR): Bottom 9.1% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (SC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
25,924
+2.6% YoY+0.8% QoQ
|
+10.8K |
15,145
-2.5% YoY
|
37,268
+3.6% YoY
|
33,913
+5.7% YoY
|
Top 10.4% in tier |
| Assets |
$266.2M
+6.5% YoY+4.8% QoQ
|
+$34.5M |
$231.7M
+0.8% YoY
|
$534.3M
+6.5% YoY
|
$578.3M
+9.0% YoY
|
67% |
| Loans |
$153.4M
-2.0% YoY-3.0% QoQ
|
+$9.3M |
$144.1M
+0.2% YoY
|
$369.7M
+7.8% YoY
|
$402.4M
+8.7% YoY
|
63% |
| Deposits |
$235.8M
+5.8% YoY+4.9% QoQ
|
+$34.7M |
$201.1M
+0.4% YoY
|
$450.9M
+6.0% YoY
|
$494.3M
+9.1% YoY
|
67% |
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| ROA |
0.8%
+24.5% YoY-7.1% QoQ
|
+0.1% |
0.7%
+5.1% YoY
|
0.7%
-43.3% YoY
|
0.4%
-39.2% YoY
|
60% |
| NIM |
3.7%
-9.4% YoY-8.7% QoQ
|
+0.1% |
3.6%
+4.6% YoY
|
4.1%
-0.5% YoY
|
3.8%
+4.1% YoY
|
56% |
| Efficiency Ratio |
78.0%
-4.3% YoY-0.1% QoQ
|
+0.0% |
78.0%
-1.7% YoY
|
81.4%
+7.0% YoY
|
84.6%
+2.8% YoY
|
47% |
| Delinquency Rate |
1.1%
-13.4% YoY-18.2% QoQ
|
+0.3 |
0.8%
+7.1% YoY
|
0.8%
+19.1% YoY
|
1.2%
+3.4% YoY
|
79% |
| Loan To Share |
65.1%
-7.4% YoY-7.5% QoQ
|
-5.4% |
70.4%
-0.4% YoY
|
69.5%
-0.5% YoY
|
65.6%
-1.4% YoY
|
36% |
| AMR |
$15,013
+0.0% YoY+0.8% QoQ
|
$-10K |
$24,918
+2.7% YoY
|
$16,971
+2.3% YoY
|
$19,920
+1.6% YoY
|
Bottom 9.0% in tier |
| CD Concentration |
17.3%
+22.1% YoY+7.7% QoQ
|
-7.0% | 24.3% | 18.0% | 19.8% | 50% |
| Indirect Auto % |
18.7%
-11.3% YoY+1.6% QoQ
|
+4.9% | 13.8% | 5.9% | 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)