BlastPoint's Credit Union Scorecard

MID CAROLINA

Charter #60735 · SC

100M-500M

1070 CUs in 100M-500M nationally 9 in SC

MID CAROLINA has 3 strengths but faces 5 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

+ ROA 0.40% above tier average
+ Net Interest Margin 0.21% above tier average
+ Share Certificate Concentration (%): Top 1.5% in tier

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 50.0% in tier
- Indirect Auto Dependency: Bottom 50.0% in tier
- Deposit Outflow: Bottom 50.0% in tier
- Stagnation Risk: Bottom 50.0% in tier
- Membership Headwinds: Bottom 50.0% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (SC)	National Avg	Tier Percentile
Members	14,016 -1.0% YoY-0.1% QoQ	-1.1K	15,145 -2.5% YoY	37,268 +3.6% YoY	33,913 +5.7% YoY	54%
Assets	$177.7M -0.1% YoY-2.5% QoQ	$-54.0M	$231.7M +0.8% YoY	$534.3M +6.5% YoY	$578.3M +9.0% YoY	42%
Loans	$105.1M +0.0% YoY-2.2% QoQ	$-39.0M	$144.1M +0.2% YoY	$369.7M +7.8% YoY	$402.4M +8.7% YoY	39%
Deposits	$157.6M -1.6% YoY-2.1% QoQ	$-43.5M	$201.1M +0.4% YoY	$450.9M +6.0% YoY	$494.3M +9.1% YoY	44%

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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	1.1% +39.9% YoY+54.4% QoQ	+0.4%	0.7% +5.1% YoY	0.7% -43.3% YoY	0.4% -39.2% YoY	77%
NIM	3.8% -1.8% YoY-1.4% QoQ	+0.2%	3.6% +4.6% YoY	4.1% -0.5% YoY	3.8% +4.1% YoY	66%
Efficiency Ratio	77.3% -3.7% YoY-4.1% QoQ	-0.7%	78.0% -1.7% YoY	81.4% +7.0% YoY	84.6% +2.8% YoY	44%
Delinquency Rate	0.6% +79.6% YoY-10.5% QoQ	-0.1	0.8% +7.1% YoY	0.8% +19.1% YoY	1.2% +3.4% YoY	51%
Loan To Share	66.7% +1.7% YoY-0.1% QoQ	-3.7%	70.4% -0.4% YoY	69.5% -0.5% YoY	65.6% -1.4% YoY	39%
AMR	$18,745 -0.0% YoY-2.0% QoQ	$-6K	$24,918 +2.7% YoY	$16,971 +2.3% YoY	$19,920 +1.6% YoY	25%
CD Concentration	0.8% -52.9% YoY-11.5% QoQ	-23.4%	24.3%	18.0%	19.8%	50%
Indirect Auto %	32.6% -5.2% YoY+1.1% QoQ	+18.8%	13.8%	5.9%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (5)

Credit Quality Pressure

risk

#249 of 727 • Bottom 50.0% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.28% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

727 of 1070 Mid-Small & Community CUs have this signature | 1013 nationally

↓ Shrinking -60 CUs YoY | New qualifier

Indirect Auto Dependency

risk

#333 of 504 • Bottom 50.0% in tier

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

Why This Signature

Asset Growth (YoY): -0.13%

(Tier: 4.68%, National: 1663.40%)

worse than tier avg

Indirect Auto %: 32.63%

(Tier: 13.80%, National: 7.73%)

worse than tier avg

Member Growth (YoY): -0.96%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

504 of 1070 Mid-Small & Community CUs have this signature | 745 nationally

↓ Shrinking -29 CUs YoY | Rank worsening

Deposit Outflow

decline

#53 of 72 • Bottom 50.0% in tier

Members staying (>= -1% YoY) but deposits leaving. They're moving money to higher-yield competitors - rate pressure is real.

Why This Signature

Deposit Growth (YoY): -1.63%

(Tier: 4.30%, National: 64.06%)

worse than tier avg

Member Growth (YoY): -0.96%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

72 of 1070 Mid-Small & Community CUs have this signature | 98 nationally

→ No prior data (72 CUs now) | New qualifier

Stagnation Risk

risk

#439 of 570 • Bottom 50.0% 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): -0.96%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): 0.03%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

Delinquency Rate: 0.63%

(Tier: 0.76%, National: 1.19%)

but better than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

Membership Headwinds

decline

#507 of 570 • Bottom 50.0% in tier

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

Why This Signature

Member Growth (YoY): -0.96%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 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)

Compare against:

Comparing against 1070 peers in tier

Top Strengths (3 metrics)

Share Certificate Concentration (%)

balance_sheet

Value: 0.83%

Peer Median: 23.10%

#17 of 1070 Top 1.5% in 100M-500M tier

248

Return on Assets (ROA)

profitability

Value: 1.13%

Peer Median: 0.69%

#248 of 1070 Top 23.1% in 100M-500M tier

262

Fee Income Per Member

profitability

Value: $201.97

Peer Median: $154.95

#262 of 1070 Top 24.4% in 100M-500M tier

Top Weaknesses (4 metrics)

945

Deposit Growth Rate

growth

Value: -1.63%

Peer Median: 3.30%

#945 of 1070 Bottom 11.8% in 100M-500M tier

930

Indirect Auto Concentration (%)

balance_sheet

Value: 32.63%

Peer Median: 6.61%

#930 of 1070 Bottom 13.2% in 100M-500M tier

891

Asset Growth Rate

growth

Value: -0.13%

Peer Median: 3.91%

#891 of 1070 Bottom 16.8% in 100M-500M tier

848

AMR Growth Rate

growth

Value: -0.02%

Peer Median: 3.46%

#848 of 1070 Bottom 20.8% in 100M-500M tier