BlastPoint's Credit Union Scorecard
SOUTH CAROLINA METHODIST CONF
Charter #60715 · SC
SOUTH CAROLINA METHODIST CONF has 2 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 1.24% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - ROA 0.79% below tier average
- - Efficiency ratio 11.20% above tier (higher cost structure)
- - Member decline: -4.8% YoY
- - Net Worth Ratio: Bottom 4.7% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (SC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,003
-4.8% YoY-1.5% QoQ
|
-1.6K |
2,625
-2.2% YoY
|
37,124
+2.2% YoY
|
33,089
+6.1% YoY
|
28% |
| Assets |
$5.9M
+1.8% YoY-0.1% QoQ
|
$-23.9M |
$29.9M
+1.1% YoY
|
$514.3M
+4.6% YoY
|
$547.7M
+7.8% YoY
|
22% |
| Loans |
$3.9M
+7.3% YoY+0.8% QoQ
|
$-11.8M |
$15.8M
-2.4% YoY
|
$362.8M
+7.0% YoY
|
$388.7M
+8.6% YoY
|
29% |
| Deposits |
$5.4M
+2.0% YoY+0.1% QoQ
|
$-20.0M |
$25.5M
+0.4% YoY
|
$433.3M
+6.0% YoY
|
$464.6M
+9.3% YoY
|
25% |
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| ROA |
-0.1%
-110.6% YoY-168.3% QoQ
|
-0.8% |
0.7%
-731.4% YoY
|
1.2%
+18.8% YoY
|
0.7%
+273.4% YoY
|
Bottom 13.7% in tier |
| NIM |
5.2%
-9.5% YoY+1.1% QoQ
|
+1.2% |
3.9%
+3.8% YoY
|
4.3%
+2.6% YoY
|
3.7%
+5.0% YoY
|
Top 11.2% in tier |
| Efficiency Ratio |
92.6%
+14.8% YoY-0.8% QoQ
|
+11.2% |
81.4%
-2.4% YoY
|
75.1%
-1.9% YoY
|
79.1%
-3.3% YoY
|
81% |
| Delinquency Rate |
0.6%
-49.6% YoY-38.6% QoQ
|
-0.9 |
1.5%
-2.0% YoY
|
0.9%
+10.3% YoY
|
1.2%
-0.9% YoY
|
46% |
| Loan To Share |
72.4%
+5.1% YoY+0.7% QoQ
|
+11.2% |
61.2%
-3.0% YoY
|
71.3%
-1.2% YoY
|
68.0%
-1.7% YoY
|
66% |
| AMR |
$9,326
+9.5% YoY+1.9% QoQ
|
$-5K |
$14,627
-2.7% YoY
|
$16,641
+2.9% YoY
|
$19,418
+1.3% YoY
|
26% |
| CD Concentration |
33.6%
+5.3% YoY+1.3% QoQ
|
+9.2% |
24.4%
+4.2% YoY
|
17.4%
+3.6% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
5.9%
-5.3% YoY
|
7.9%
-2.9% YoY
|
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)