BlastPoint's Credit Union Scorecard
SANTEE COOPER CREDIT UNION
Charter #60745 · SC
SANTEE COOPER CREDIT UNION demonstrates 11 strengths
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.07% above tier average
- + Net Interest Margin 0.44% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Total Loans: Top 1.9% in tier
- + Deposit Growth Rate: Top 3.1% in tier
- + Asset Growth Rate: Top 3.6% in tier
- + Total Assets: Top 4.3% in tier
- + Total Deposits: Top 5.1% in tier
- + Total Members: Top 5.3% in tier
- + AMR Growth Rate: Top 7.9% in tier
- + Fee Income Per Member: Top 9.1% in tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (SC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
7,108
+1.9% YoY+0.6% QoQ
|
+4.5K |
2,615
-1.9% YoY
|
37,100
+2.2% YoY
|
33,374
+5.7% YoY
|
Top 5.3% in tier |
| Assets |
$89.1M
+14.4% YoY+4.5% QoQ
|
+$59.0M |
$30.1M
+2.1% YoY
|
$523.8M
+6.7% YoY
|
$561.6M
+9.7% YoY
|
Top 4.3% in tier |
| Loans |
$60.5M
+10.6% YoY+1.0% QoQ
|
+$44.7M |
$15.8M
-1.3% YoY
|
$367.9M
+7.3% YoY
|
$397.0M
+8.8% YoY
|
Top 1.9% in tier |
| Deposits |
$74.9M
+16.0% YoY+5.2% QoQ
|
+$49.2M |
$25.7M
+1.4% YoY
|
$439.0M
+5.8% YoY
|
$477.3M
+9.7% YoY
|
Top 5.1% in tier |
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| ROA |
1.7%
-20.8% YoY+0.7% QoQ
|
+1.1% |
0.6%
+10.8% YoY
|
1.0%
+5.1% YoY
|
0.7%
+15.9% YoY
|
Top 11.6% in tier |
| NIM |
4.4%
+4.3% YoY+0.1% QoQ
|
+0.4% |
4.0%
+4.0% YoY
|
4.2%
+0.5% YoY
|
3.8%
+5.1% YoY
|
70% |
| Efficiency Ratio |
69.7%
+12.6% YoY-0.5% QoQ
|
-12.8% |
82.6%
-2.3% YoY
|
76.9%
-0.6% YoY
|
79.7%
-3.3% YoY
|
27% |
| Delinquency Rate |
0.9%
+26.8% YoY+63.7% QoQ
|
-0.7 |
1.6%
-3.1% YoY
|
1.0%
+13.3% YoY
|
1.3%
-2.1% YoY
|
56% |
| Loan To Share |
80.8%
-4.7% YoY-4.0% QoQ
|
+20.2% |
60.6%
-3.1% YoY
|
71.5%
-0.9% YoY
|
67.4%
-1.7% YoY
|
79% |
| AMR |
$19,045
+11.4% YoY+2.6% QoQ
|
+$4K |
$14,783
-1.4% YoY
|
$16,782
+2.9% YoY
|
$19,687
+2.0% YoY
|
75% |
| CD Concentration |
31.1%
+15.6% YoY+16.5% QoQ
|
+6.7% | 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)