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 0.27% above tier average
- + Net Interest Margin 0.35% above tier average
- + Total Members: Top 1.8% in tier
- + Fee Income Per Member: Top 2.4% in tier
- + Total Assets: Top 4.9% in tier
- + Total Deposits: Top 6.8% in tier
- + Total Loans: Top 9.2% in tier
Key Concerns
Areas that may need attention
- - Efficiency ratio 2.46% above tier (higher cost structure)
- - Member decline: -4.2% YoY
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (SC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
9,382
-4.2% YoY-1.3% QoQ
|
+6.8K |
2,615
-1.9% YoY
|
37,100
+2.2% YoY
|
33,374
+5.7% YoY
|
Top 1.8% in tier |
| Assets |
$87.2M
-1.0% YoY+0.1% QoQ
|
+$57.1M |
$30.1M
+2.1% YoY
|
$523.8M
+6.7% YoY
|
$561.6M
+9.7% YoY
|
Top 4.9% in tier |
| Loans |
$41.8M
-10.1% YoY-4.4% QoQ
|
+$26.0M |
$15.8M
-1.3% YoY
|
$367.9M
+7.3% YoY
|
$397.0M
+8.8% YoY
|
Top 9.2% in tier |
| Deposits |
$69.8M
+0.3% YoY+3.3% QoQ
|
+$44.1M |
$25.7M
+1.4% YoY
|
$439.0M
+5.8% YoY
|
$477.3M
+9.7% YoY
|
Top 6.9% in tier |
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| ROA |
0.9%
-23.4% YoY-1.3% QoQ
|
+0.3% |
0.6%
+10.8% YoY
|
1.0%
+5.1% YoY
|
0.7%
+15.9% YoY
|
60% |
| NIM |
4.3%
+2.1% YoY+2.1% QoQ
|
+0.4% |
4.0%
+4.0% YoY
|
4.2%
+0.5% YoY
|
3.8%
+5.1% YoY
|
67% |
| Efficiency Ratio |
85.0%
+5.0% YoY+0.4% QoQ
|
+2.5% |
82.6%
-2.3% YoY
|
76.9%
-0.6% YoY
|
79.7%
-3.3% YoY
|
64% |
| Delinquency Rate |
0.4%
+41.9% YoY-45.8% QoQ
|
-1.2 |
1.6%
-3.1% YoY
|
1.0%
+13.3% YoY
|
1.3%
-2.1% YoY
|
35% |
| Loan To Share |
59.8%
-10.4% YoY-7.4% QoQ
|
-0.8% |
60.6%
-3.1% YoY
|
71.5%
-0.9% YoY
|
67.4%
-1.7% YoY
|
49% |
| AMR |
$11,893
+0.4% YoY+1.6% QoQ
|
$-3K |
$14,783
-1.4% YoY
|
$16,782
+2.9% YoY
|
$19,687
+2.0% YoY
|
38% |
| CD Concentration |
12.2%
+24.7% YoY-0.0% QoQ
|
-12.2% | 24.4% | 17.8% | 19.8% | 50% |
| Indirect Auto % |
0.4%
-24.5% YoY-0.9% QoQ
|
-13.4% | 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)