BlastPoint's Credit Union Scorecard

SPC

Charter #60686 · SC

1077 CUs in 100M-500M nationally 10 in SC

SPC has 3 strengths but faces 8 concerns

National Analysis

How does the industry compare?

SC Analysis

How does SC stack up?

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	64%
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	63%
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	64%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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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	49%
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	79%
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	58%
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	84%
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	42%
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	50%
Indirect Auto %	18.9% -18.6% YoY-4.2% QoQ	+5.0%	14.0% -5.7% YoY	5.9% -5.3% YoY	7.9% -2.9% YoY	50%

Signature Analysis

Strengths (2)

Organic Growth Leader

growth

#145 of 430 • Top 10.9% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 3.35%

(Tier: 0.88%, National: 9.37%)

better than tier avg

Indirect Auto %: 18.93%

(Tier: 13.97%, National: 7.90%)

but worse 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: 13.97%, 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 (<75% efficiency) now seeing 5+ point efficiency ratio increase despite strong profitability (>0.50% ROA). Efficiency advantage eroding.

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): 67.72%

(Tier: 59.95%, National: 63.68%)

worse 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: 13.97%, 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)

Compare against:

Comparing against 1077 peers in tier

Top Strengths (5 metrics)

122

Total Members

engagement

Value: 25,911

Peer Avg: -

#122 of 1077 Top 11.2% in 100M-500M tier

172

Fee Income Per Member

profitability

Value: $239.07

Peer Avg: -

#172 of 1077 Top 15.9% in 100M-500M tier

178

Member Growth Rate

growth

Value: 3.35%

Peer Avg: -

#178 of 1077 Top 16.4% in 100M-500M tier

223

Net Interest Margin (NIM)

profitability

Value: 4.12%

Peer Avg: -

#223 of 1077 Top 20.6% in 100M-500M tier

241

Share Certificate Concentration (%)

balance_sheet

Value: 15.09%

Peer Avg: -

#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: -

#983 of 1077 Bottom 8.8% in 100M-500M tier

953

Net Charge-Off Rate

risk

Value: 0.91%

Peer Avg: -

#953 of 1077 Bottom 11.6% in 100M-500M tier

946

AMR Growth Rate

growth

Value: -1.82%

Peer Avg: -

#946 of 1077 Bottom 12.3% in 100M-500M tier

942

Loan Growth Rate

growth

Value: -5.13%

Peer Avg: -

#942 of 1077 Bottom 12.6% in 100M-500M tier

921

Loan-to-Member Ratio (LMR)

engagement

Value: $6,096

Peer Avg: -

#921 of 1077 Bottom 14.6% in 100M-500M tier

909

Total Delinquency Rate (60+ days)

risk

Value: 1.45%

Peer Avg: -

#909 of 1077 Bottom 15.7% in 100M-500M tier