BlastPoint's Credit Union Scorecard
SANTEE COOPER CREDIT UNION
Charter #60745 · SC
SANTEE COOPER CREDIT UNION has 8 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.40% above tier average
- + Total Loans: Top 0.9% in tier
- + Total Assets: Top 1.3% in tier
- + Total Deposits: Top 2.4% in tier
- + Asset Growth Rate: Top 3.8% in tier
- + Deposit Growth Rate: Top 4.5% in tier
- + Total Members: Top 4.6% in tier
- + Loan Growth Rate: Top 9.2% in tier
Key Concerns
Areas that may need attention
- - ROA 0.19% below tier average
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 23 that size in South Carolina.
- Shares and deposits +13.5% year over year ($80.4M in shares and deposits).
- Membership: 7,218 members, +2.6% vs a year ago.
- Delinquency rate 0.97%.
- Return on assets 1.30%.
- Efficiency ratio 73.00% vs a 88.77% peer average.
- Loan-to-share ratio 80.71% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (SC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
7,218
+2.6% YoY+0.9% QoQ
|
+4.6K |
2,585
-1.7% YoY
|
38,222
+5.6% YoY
|
34,678
+6.6% YoY
|
Top 4.6% in tier |
| Assets |
$95.9M
+13.1% YoY+3.2% QoQ
|
+$65.6M |
$30.3M
+1.5% YoY
|
$548.9M
+9.6% YoY
|
$593.1M
+10.2% YoY
|
Top 1.3% in tier |
| Loans |
$64.9M
+10.9% YoY+4.1% QoQ
|
+$49.5M |
$15.5M
-1.7% YoY
|
$385.7M
+10.8% YoY
|
$418.6M
+10.1% YoY
|
Top 0.9% in tier |
| Deposits |
$80.4M
+13.5% YoY+2.7% QoQ
|
+$54.6M |
$25.8M
+1.1% YoY
|
$462.6M
+9.2% YoY
|
$504.8M
+10.3% YoY
|
Top 2.5% in tier |
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| ROA |
1.3%
-21.8% YoY-0.3% QoQ
|
-0.2% |
1.5%
+241.5% YoY
|
0.9%
-19.6% YoY
|
1.2%
+121.4% YoY
|
73% |
| NIM |
4.3%
-1.0% YoY-0.7% QoQ
|
+0.4% |
3.9%
+0.9% YoY
|
4.2%
-1.3% YoY
|
3.8%
+2.3% YoY
|
69% |
| Efficiency Ratio |
73.0%
+4.4% YoY+1.8% QoQ
|
-15.8% |
88.8%
-6.9% YoY
|
79.7%
+5.8% YoY
|
83.0%
-5.3% YoY
|
32% |
| Delinquency Rate |
1.0%
+12.0% YoY+41.0% QoQ
|
-0.6 |
1.5%
+2.1% YoY
|
1.1%
+14.2% YoY
|
1.3%
+2.6% YoY
|
60% |
| Loan To Share |
80.7%
-2.2% YoY+1.3% QoQ
|
+21.8% |
58.9%
-3.1% YoY
|
70.2%
-0.9% YoY
|
66.4%
-1.4% YoY
|
81% |
| AMR |
$20,138
+9.5% YoY+2.4% QoQ
|
+$5K |
$14,963
-6.8% YoY
|
$17,221
+4.1% YoY
|
$20,028
-0.9% YoY
|
78% |
| CD Concentration |
29.5%
+11.2% YoY+10.2% QoQ
|
+4.9% | 24.6% | 18.3% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 6.0% | 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)