BlastPoint's Credit Union Scorecard

MID CAROLINA

Charter #60735 · SC

1069 CUs in 100M-500M nationally 10 in SC

MID CAROLINA has 3 strengths but faces 6 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

  • + Wallet Share Momentum: Top 91.0% in tier
  • + Net Interest Margin 0.29% above tier average
  • + Share Certificate Concentration (%): Top 1.7% in tier

Key Concerns

Areas that may need attention

  • - Indirect Auto Dependency: Bottom 25.3% in tier
  • - Efficiency Drag: Bottom 82.7% in tier
  • - Stagnation Risk: Bottom 94.6% in tier
  • - Membership Headwinds: Bottom 96.6% in tier
  • - ROA 0.03% below tier average
  • - Efficiency ratio 3.58% above tier (higher cost structure)

Core Metrics

As of 2025-Q4

Metric Current vs Tier Tier Avg State Avg (SC) National Avg Tier Percentile
Members 14,029
-0.7% YoY-0.4% QoQ
 -1.4K 15,437
-2.9% YoY
 37,100
+2.2% YoY
 33,374
+5.7% YoY
 53%
Assets $182.2M
+6.0% YoY+1.2% QoQ
 $-49.7M $231.9M
+1.3% YoY
 $523.8M
+6.7% YoY
 $561.6M
+9.7% YoY
 44%
Loans $107.5M
+4.8% YoY-1.4% QoQ
 $-39.9M $147.3M
-0.1% YoY
 $367.9M
+7.3% YoY
 $397.0M
+8.8% YoY
 39%
Deposits $161.0M
+4.6% YoY-0.1% QoQ
 $-39.8M $200.8M
+0.8% YoY
 $439.0M
+5.8% YoY
 $477.3M
+9.7% YoY
 46%

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Tier 1
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Performance signatures (strengths & concerns)
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ROA 0.7%
+185.1% YoY+2.1% QoQ
 -0.0% 0.8%
+18.2% YoY
 1.0%
+5.1% YoY
 0.7%
+15.9% YoY
 48%
NIM 3.9%
+5.6% YoY-0.3% QoQ
 +0.3% 3.6%
+6.7% YoY
 4.2%
+0.5% YoY
 3.8%
+5.1% YoY
 67%
Efficiency Ratio 80.6%
-13.2% YoY-0.3% QoQ
 +3.6% 77.0%
-3.1% YoY
 76.9%
-0.6% YoY
 79.7%
-3.3% YoY
 62%
Delinquency Rate 0.7%
-12.2% YoY+64.8% QoQ
 -0.2 0.9%
+4.2% YoY
 1.0%
+13.3% YoY
 1.3%
-2.1% YoY
 49%
Loan To Share 66.8%
+0.2% YoY-1.3% QoQ
 -5.4% 72.2%
-1.1% YoY
 71.5%
-0.9% YoY
 67.4%
-1.7% YoY
 35%
AMR $19,136
+5.4% YoY-0.2% QoQ
 $-6K $24,676
+3.4% YoY
 $16,782
+2.9% YoY
 $19,687
+2.0% YoY
 28%
CD Concentration 0.9%
-56.6% YoY-13.1% QoQ
 -23.5% 24.4% 17.8% 19.8% 50%
Indirect Auto % 32.3%
-5.4% YoY-0.8% QoQ
 +18.5% 13.8% 5.9% 7.8% 50%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth
#467 of 513 • Top 91.0% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature
AMR Growth (YoY): 5.43%
(Tier: 4.17%, National: 4.00%)
better than tier avg
513 of 1069 Mid-Small & Community CUs have this signature | 662 nationally
↑ Growing +180 CUs YoY | New qualifier

Concerns (4)

Indirect Auto Dependency

risk
#129 of 506 • Bottom 25.3% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature
Asset Growth (YoY): 5.95%
(Tier: 5.37%, National: 3.54%)
but better than tier avg
Indirect Auto %: 32.28%
(Tier: 13.79%, National: 7.78%)
worse than tier avg
Member Growth (YoY): -0.68%
(Tier: 0.69%, National: 4.32%)
worse than tier avg
506 of 1069 Mid-Small & Community CUs have this signature | 745 nationally
↓ Shrinking -35 CUs YoY | Rank improving

Efficiency Drag

risk
#445 of 538 • Bottom 82.7% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature
Efficiency Ratio: 80.60%
(Tier: 76.88%, National: 79.67%)
worse than tier avg
ROA Change (YoY): 0.48% points
(Tier: 0.11% points, National: 0.02% points)
but better than tier avg
Member Growth (YoY): -0.68%
(Tier: 0.69%, National: 4.32%)
worse than tier avg
538 of 1069 Mid-Small & Community CUs have this signature | 633 nationally
↓ Shrinking -98 CUs YoY | Rank worsening

Stagnation Risk

risk
#524 of 554 • Bottom 94.6% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature
Member Growth (YoY): -0.68%
(Tier: 0.69%, National: 4.32%)
worse than tier avg
Loan Growth (YoY): 4.83%
(Tier: 4.11%, National: 111.96%)
but better than tier avg
Delinquency Rate: 0.70%
(Tier: 0.89%, National: 1.28%)
but better than tier avg
554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally
→ No prior data (554 CUs now) | New qualifier

Membership Headwinds

decline
#535 of 554 • Bottom 96.6% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature
Member Growth (YoY): -0.68%
(Tier: 0.69%, National: 4.32%)
worse than tier avg
554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally
→ No prior data (554 CUs now) | New qualifier

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)

Comparing against 1069 peers in tier

Top Strengths (1 metrics)

19
Share Certificate Concentration (%)
balance_sheet
Value: 0.94%
Peer Median: -
#19 of 1069 Top 1.7% in 100M-500M tier

Top Weaknesses (1 metrics)

922
Indirect Auto Concentration (%)
balance_sheet
Value: 32.28%
Peer Median: -
#922 of 1069 Bottom 13.8% in 100M-500M tier
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