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 1.00% above tier average
- + Net Interest Margin 0.45% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Total Loans: Top 2.1% in tier
- + Total Assets: Top 5.4% in tier
- + Total Members: Top 5.7% in tier
- + Total Deposits: Top 6.4% in tier
- + Fee Income Per Member: Top 8.9% in tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (SC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
7,064
+1.4% YoY+0.4% QoQ
|
+4.4K |
2,625
-2.2% YoY
|
37,124
+2.2% YoY
|
33,089
+6.1% YoY
|
Top 5.7% in tier |
| Assets |
$85.3M
+7.8% YoY+0.6% QoQ
|
+$55.4M |
$29.9M
+1.1% YoY
|
$514.3M
+4.6% YoY
|
$547.7M
+7.8% YoY
|
Top 5.4% in tier |
| Loans |
$59.9M
+8.7% YoY+2.4% QoQ
|
+$44.1M |
$15.8M
-2.4% YoY
|
$362.8M
+7.0% YoY
|
$388.7M
+8.6% YoY
|
Top 2.2% in tier |
| Deposits |
$71.2M
+7.0% YoY+0.4% QoQ
|
+$45.7M |
$25.5M
+0.4% YoY
|
$433.3M
+6.0% YoY
|
$464.6M
+9.3% YoY
|
Top 6.4% in tier |
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| ROA |
1.7%
-20.4% YoY+1.5% QoQ
|
+1.0% |
0.7%
-731.4% YoY
|
1.2%
+18.8% YoY
|
0.7%
+273.4% YoY
|
85% |
| NIM |
4.4%
+7.5% YoY+0.9% QoQ
|
+0.4% |
3.9%
+3.8% YoY
|
4.3%
+2.6% YoY
|
3.7%
+5.0% YoY
|
69% |
| Efficiency Ratio |
70.1%
+15.1% YoY+0.2% QoQ
|
-11.3% |
81.4%
-2.4% YoY
|
75.1%
-1.9% YoY
|
79.1%
-3.3% YoY
|
32% |
| Delinquency Rate |
0.5%
-38.0% YoY-37.4% QoQ
|
-1.0 |
1.5%
-2.0% YoY
|
0.9%
+10.3% YoY
|
1.2%
-0.9% YoY
|
44% |
| Loan To Share |
84.2%
+1.5% YoY+2.0% QoQ
|
+22.9% |
61.2%
-3.0% YoY
|
71.3%
-1.2% YoY
|
68.0%
-1.7% YoY
|
82% |
| AMR |
$18,558
+6.3% YoY+0.9% QoQ
|
+$4K |
$14,627
-2.7% YoY
|
$16,641
+2.9% YoY
|
$19,418
+1.3% YoY
|
74% |
| CD Concentration |
26.7%
+3.3% YoY+0.7% QoQ
|
+2.3% |
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)