BlastPoint's Credit Union Scorecard
SANTEE COOPER CREDIT UNION
Charter #60745 · SC
SANTEE COOPER CREDIT UNION demonstrates 8 strengths
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.16% above tier average
- + Net Interest Margin 0.32% above tier average
- + Total Loans: Top 1.0% in tier
- + Total Assets: Top 2.7% in tier
- + Deposit Growth Rate: Top 2.8% in tier
- + Asset Growth Rate: Top 2.9% in tier
- + Total Deposits: Top 3.4% in tier
- + Total Members: Top 4.8% in tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (SC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
7,152
+2.2% YoY+0.6% QoQ
|
+4.5K |
2,676
+1.6% YoY
|
37,268
+3.6% YoY
|
33,913
+5.7% YoY
|
Top 4.9% in tier |
| Assets |
$92.9M
+14.6% YoY+4.3% QoQ
|
+$62.7M |
$30.2M
+1.3% YoY
|
$534.3M
+6.5% YoY
|
$578.3M
+9.0% YoY
|
Top 2.7% in tier |
| Loans |
$62.4M
+12.1% YoY+3.1% QoQ
|
+$47.1M |
$15.3M
-2.0% YoY
|
$369.7M
+7.8% YoY
|
$402.4M
+8.7% YoY
|
Top 1.0% in tier |
| Deposits |
$78.3M
+15.9% YoY+4.6% QoQ
|
+$52.5M |
$25.8M
+0.7% YoY
|
$450.9M
+6.0% YoY
|
$494.3M
+9.1% YoY
|
Top 3.5% in tier |
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| ROA |
1.3%
-14.2% YoY-23.2% QoQ
|
+1.2% |
0.1%
-77.6% YoY
|
0.7%
-43.3% YoY
|
0.4%
-39.2% YoY
|
80% |
| NIM |
4.3%
-0.3% YoY-1.3% QoQ
|
+0.3% |
4.0%
+4.0% YoY
|
4.1%
-0.5% YoY
|
3.8%
+4.1% YoY
|
72% |
| Efficiency Ratio |
71.7%
+1.1% YoY+2.8% QoQ
|
-18.9% |
90.6%
+6.5% YoY
|
81.4%
+7.0% YoY
|
84.6%
+2.8% YoY
|
28% |
| Delinquency Rate |
0.7%
+29.8% YoY-22.4% QoQ
|
-0.8 |
1.5%
+3.8% YoY
|
0.8%
+19.1% YoY
|
1.2%
+3.4% YoY
|
52% |
| Loan To Share |
79.7%
-3.3% YoY-1.4% QoQ
|
+21.2% |
58.5%
-3.0% YoY
|
69.5%
-0.5% YoY
|
65.6%
-1.4% YoY
|
81% |
| AMR |
$19,667
+11.7% YoY+3.3% QoQ
|
+$5K |
$14,884
-1.7% YoY
|
$16,971
+2.3% YoY
|
$19,920
+1.6% YoY
|
77% |
| CD Concentration |
26.8%
+5.2% YoY-14.0% QoQ
|
+2.5% | 24.3% | 18.0% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 5.9% | 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)