BlastPoint's Credit Union Scorecard
SOUTH CAROLINA METHODIST CONF
Charter #60715 · SC
SOUTH CAROLINA METHODIST CONF has 1 strength but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 1.51% above tier average
Key Concerns
Areas that may need attention
- - ROA 1.39% below tier average
- - Efficiency ratio 5.62% above tier (higher cost structure)
- - Member decline: -3.3% YoY
- - Net Worth Ratio: Bottom 6.9% in tier
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 2,437 credit unions with under $100M in assets nationally, and 1 of 23 that size in South Carolina.
- Shares and deposits -5.6% year over year ($5.1M in shares and deposits).
- Membership: 984 members, -3.3% vs a year ago.
- Delinquency rate 0.25%.
- Return on assets 0.10%.
- Efficiency ratio 94.39% vs a 88.77% peer average.
- Loan-to-share ratio 79.45% vs a 58.89% 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 |
984
-3.3% YoY-0.2% QoQ
|
-1.6K |
2,585
-1.7% YoY
|
38,222
+5.6% YoY
|
34,678
+6.6% YoY
|
28% |
| Assets |
$5.6M
-5.1% YoY-1.0% QoQ
|
$-24.7M |
$30.3M
+1.5% YoY
|
$548.9M
+9.6% YoY
|
$593.1M
+10.2% YoY
|
21% |
| Loans |
$4.1M
+4.3% YoY-2.4% QoQ
|
$-11.4M |
$15.5M
-1.7% YoY
|
$385.7M
+10.8% YoY
|
$418.6M
+10.1% YoY
|
30% |
| Deposits |
$5.1M
-5.6% YoY-1.1% QoQ
|
$-20.7M |
$25.8M
+1.1% YoY
|
$462.6M
+9.2% YoY
|
$504.8M
+10.3% YoY
|
23% |
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| ROA |
0.1%
-34.7% YoY-31.4% QoQ
|
-1.4% |
1.5%
+241.5% YoY
|
0.9%
-19.6% YoY
|
1.2%
+121.4% YoY
|
Bottom 6.6% in tier |
| NIM |
5.4%
+5.7% YoY-0.2% QoQ
|
+1.5% |
3.9%
+0.9% YoY
|
4.2%
-1.3% YoY
|
3.8%
+2.3% YoY
|
Top 6.8% in tier |
| Efficiency Ratio |
94.4%
+1.1% YoY+0.8% QoQ
|
+5.6% |
88.8%
-6.9% YoY
|
79.7%
+5.8% YoY
|
83.0%
-5.3% YoY
|
79% |
| Delinquency Rate |
0.2%
-74.0% YoY-67.0% QoQ
|
-1.3 |
1.5%
+2.1% YoY
|
1.1%
+14.2% YoY
|
1.3%
+2.6% YoY
|
29% |
| Loan To Share |
79.4%
+10.5% YoY-1.3% QoQ
|
+20.6% |
58.9%
-3.1% YoY
|
70.2%
-0.9% YoY
|
66.4%
-1.4% YoY
|
80% |
| AMR |
$9,336
+2.0% YoY-1.5% QoQ
|
$-6K |
$14,963
-6.8% YoY
|
$17,221
+4.1% YoY
|
$20,028
-0.9% YoY
|
25% |
| CD Concentration |
34.3%
+3.3% YoY+7.7% QoQ
|
+9.7% | 24.6% | 18.3% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 6.0% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)