BlastPoint's Credit Union Scorecard
SOUTH CAROLINA METHODIST CONF
Charter #60715 · SC
SOUTH CAROLINA METHODIST CONF has 3 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 1.28% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Loan Growth Rate: Top 9.1% in tier
Key Concerns
Areas that may need attention
- - ROA 0.62% below tier average
- - Efficiency ratio 9.43% above tier (higher cost structure)
- - Member decline: -4.0% YoY
- - Net Worth Ratio: Bottom 5.3% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (SC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
991
-4.0% YoY-1.2% QoQ
|
-1.6K |
2,615
-1.9% YoY
|
37,100
+2.2% YoY
|
33,374
+5.7% YoY
|
28% |
| Assets |
$5.9M
-0.8% YoY-0.9% QoQ
|
$-24.3M |
$30.1M
+2.1% YoY
|
$523.8M
+6.7% YoY
|
$561.6M
+9.7% YoY
|
22% |
| Loans |
$4.1M
+11.1% YoY+4.0% QoQ
|
$-11.7M |
$15.8M
-1.3% YoY
|
$367.9M
+7.3% YoY
|
$397.0M
+8.8% YoY
|
29% |
| Deposits |
$5.4M
-1.0% YoY-1.2% QoQ
|
$-20.3M |
$25.7M
+1.4% YoY
|
$439.0M
+5.8% YoY
|
$477.3M
+9.7% YoY
|
24% |
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| ROA |
0.0%
-99.3% YoY-104.8% QoQ
|
-0.6% |
0.6%
+10.8% YoY
|
1.0%
+5.1% YoY
|
0.7%
+15.9% YoY
|
16% |
| NIM |
5.2%
-6.3% YoY+1.2% QoQ
|
+1.3% |
4.0%
+4.0% YoY
|
4.2%
+0.5% YoY
|
3.8%
+5.1% YoY
|
Top 10.1% in tier |
| Efficiency Ratio |
92.0%
+10.8% YoY-0.7% QoQ
|
+9.4% |
82.6%
-2.3% YoY
|
76.9%
-0.6% YoY
|
79.7%
-3.3% YoY
|
79% |
| Delinquency Rate |
0.4%
+199.9% YoY-32.8% QoQ
|
-1.2 |
1.6%
-3.1% YoY
|
1.0%
+13.3% YoY
|
1.3%
-2.1% YoY
|
36% |
| Loan To Share |
76.3%
+12.2% YoY+5.3% QoQ
|
+15.6% |
60.6%
-3.1% YoY
|
71.5%
-0.9% YoY
|
67.4%
-1.7% YoY
|
73% |
| AMR |
$9,531
+8.2% YoY+2.2% QoQ
|
$-5K |
$14,783
-1.4% YoY
|
$16,782
+2.9% YoY
|
$19,687
+2.0% YoY
|
26% |
| CD Concentration |
31.6%
-0.8% YoY-5.8% QoQ
|
+7.2% | 24.4% | 17.8% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 5.9% | 7.8% | 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)