BlastPoint's Credit Union Scorecard

CURIS FINANCIAL

Charter #61260 · SC

<100M
2508 CUs in <100M nationally 24 in SC

CURIS FINANCIAL has 7 strengths but faces 1 concern

Key Strengths

Areas where this CU excels compared to peers

  • + ROA 0.31% above tier average
  • + Net Interest Margin 0.14% above tier average
  • + Total Members: Top 1.7% in tier
  • + Fee Income Per Member: Top 2.3% in tier
  • + Total Assets: Top 4.7% in tier
  • + Total Deposits: Top 7.9% in tier
  • + Total Loans: Top 8.7% in tier

Key Concerns

Areas that may need attention

  • - Member decline: -4.4% YoY

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (SC) National Avg Tier Percentile
Members 9,251
-4.4% YoY-1.4% QoQ
+6.6K 2,676
+1.6% YoY
37,268
+3.6% YoY
33,913
+5.7% YoY
Top 1.7% in tier
Assets $87.1M
-4.6% YoY-0.1% QoQ
+$56.9M $30.2M
+1.3% YoY
$534.3M
+6.5% YoY
$578.3M
+9.0% YoY
Top 4.8% in tier
Loans $41.1M
-8.7% YoY-1.5% QoQ
+$25.9M $15.3M
-2.0% YoY
$369.7M
+7.8% YoY
$402.4M
+8.7% YoY
Top 8.7% in tier
Deposits $67.6M
-6.8% YoY-3.2% QoQ
+$41.8M $25.8M
+0.7% YoY
$450.9M
+6.0% YoY
$494.3M
+9.1% YoY
Top 7.9% in tier

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Tier 1
50+ financial metrics with peer benchmarks
Performance signatures (strengths & concerns)
AI-generated insights and rankings

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ROA 0.5%
-15.5% YoY-48.9% QoQ
+0.3% 0.1%
-77.6% YoY
0.7%
-43.3% YoY
0.4%
-39.2% YoY
42%
NIM 4.2%
+5.1% YoY-3.6% QoQ
+0.1% 4.0%
+4.0% YoY
4.1%
-0.5% YoY
3.8%
+4.1% YoY
65%
Efficiency Ratio 90.2%
+1.0% YoY+6.1% QoQ
-0.4% 90.6%
+6.5% YoY
81.4%
+7.0% YoY
84.6%
+2.8% YoY
69%
Delinquency Rate 0.5%
+38.3% YoY+37.6% QoQ
-1.0 1.5%
+3.8% YoY
0.8%
+19.1% YoY
1.2%
+3.4% YoY
44%
Loan To Share 60.9%
-2.0% YoY+1.8% QoQ
+2.4% 58.5%
-3.0% YoY
69.5%
-0.5% YoY
65.6%
-1.4% YoY
54%
AMR $11,750
-3.3% YoY-1.2% QoQ
$-3K $14,884
-1.7% YoY
$16,971
+2.3% YoY
$19,920
+1.6% YoY
37%
CD Concentration 11.8%
+24.8% YoY-3.1% QoQ
-12.4% 24.3% 18.0% 19.8% 50%
Indirect Auto % 0.4%
-31.0% YoY-11.1% QoQ
-13.4% 13.8% 5.9% 7.7% 50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

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)

Comparing against 2508 peers in tier

Top Strengths (6 metrics)

43
Total Members
engagement
Value: 9,251
Peer Median: 1,918
#43 of 2508 Top 1.7% in <100M tier
58
Fee Income Per Member
profitability
Value: $260.38
Peer Median: $60.42
#58 of 2508 Top 2.3% in <100M tier
120
Total Assets
balance_sheet
Value: $87.14M
Peer Median: $21.86M
#120 of 2508 Top 4.7% in <100M tier
199
Total Deposits
balance_sheet
Value: $67.56M
Peer Median: $18.77M
#199 of 2508 Top 7.9% in <100M tier
219
Total Loans
balance_sheet
Value: $41.14M
Peer Median: $9.48M
#219 of 2508 Top 8.7% in <100M tier
386
Net Worth Ratio
risk
Value: 22.61%
Peer Median: 14.28%
#386 of 2508 Top 15.4% in <100M tier

Top Weaknesses (6 metrics)

2201
Deposit Growth Rate
growth
Value: -6.84%
Peer Median: 0.66%
#2201 of 2508 Bottom 12.3% in <100M tier
2146
Indirect Auto Concentration (%)
balance_sheet
Value: 0.38%
Peer Median: 0.00%
#2146 of 2508 Bottom 14.5% in <100M tier
2121
Asset Growth Rate
growth
Value: -4.56%
Peer Median: 1.30%
#2121 of 2508 Bottom 15.5% in <100M tier
1997
Member Growth Rate
growth
Value: -4.38%
Peer Median: -1.37%
#1997 of 2508 Bottom 20.4% in <100M tier
1921
Net Charge-Off Rate
risk
Value: 0.57%
Peer Median: 0.07%
#1921 of 2508 Bottom 23.4% in <100M tier
1917
AMR Growth Rate
growth
Value: -3.31%
Peer Median: 1.27%
#1917 of 2508 Bottom 23.6% in <100M tier
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