BlastPoint's Credit Union Scorecard
CURIS FINANCIAL
Charter #61260 · SC
CURIS FINANCIAL has 7 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.22% above tier average
- + Net Interest Margin 0.28% above tier average
- + Total Members: Top 1.6% in tier
- + Fee Income Per Member: Top 2.7% in tier
- + Total Assets: Top 4.7% in tier
- + Total Deposits: Top 7.9% in tier
- + Total Loans: Top 8.2% in tier
Key Concerns
Areas that may need attention
- - Efficiency ratio 3.27% above tier (higher cost structure)
- - Member decline: -4.3% YoY
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (SC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
9,510
-4.3% YoY-1.0% QoQ
|
+6.9K |
2,625
-2.2% YoY
|
37,124
+2.2% YoY
|
33,089
+6.1% YoY
|
Top 1.6% in tier |
| Assets |
$87.1M
-3.6% YoY-3.7% QoQ
|
+$57.3M |
$29.9M
+1.1% YoY
|
$514.3M
+4.6% YoY
|
$547.7M
+7.8% YoY
|
Top 4.7% in tier |
| Loans |
$43.7M
-8.7% YoY-2.1% QoQ
|
+$27.9M |
$15.8M
-2.4% YoY
|
$362.8M
+7.0% YoY
|
$388.7M
+8.6% YoY
|
Top 8.3% in tier |
| Deposits |
$67.6M
-5.6% YoY-5.4% QoQ
|
+$42.1M |
$25.5M
+0.4% YoY
|
$433.3M
+6.0% YoY
|
$464.6M
+9.3% YoY
|
Top 7.9% in tier |
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| ROA |
0.9%
-29.6% YoY+87.4% QoQ
|
+0.2% |
0.7%
-731.4% YoY
|
1.2%
+18.8% YoY
|
0.7%
+273.4% YoY
|
57% |
| NIM |
4.2%
+1.6% YoY+3.8% QoQ
|
+0.3% |
3.9%
+3.8% YoY
|
4.3%
+2.6% YoY
|
3.7%
+5.0% YoY
|
63% |
| Efficiency Ratio |
84.7%
+7.7% YoY-6.0% QoQ
|
+3.3% |
81.4%
-2.4% YoY
|
75.1%
-1.9% YoY
|
79.1%
-3.3% YoY
|
66% |
| Delinquency Rate |
0.7%
+203.2% YoY+31.8% QoQ
|
-0.8 |
1.5%
-2.0% YoY
|
0.9%
+10.3% YoY
|
1.2%
-0.9% YoY
|
51% |
| Loan To Share |
64.7%
-3.3% YoY+3.5% QoQ
|
+3.4% |
61.2%
-3.0% YoY
|
71.3%
-1.2% YoY
|
68.0%
-1.7% YoY
|
54% |
| AMR |
$11,702
-2.6% YoY-3.1% QoQ
|
$-3K |
$14,627
-2.7% YoY
|
$16,641
+2.9% YoY
|
$19,418
+1.3% YoY
|
38% |
| CD Concentration |
12.2%
+39.8% YoY+17.3% QoQ
|
-12.2% |
24.4%
+4.2% YoY
|
17.4%
+3.6% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
0.4%
-26.1% YoY-17.6% QoQ
|
-13.5% |
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)