BlastPoint's Credit Union Scorecard
CURIS FINANCIAL
Charter #61260 · SC
CURIS FINANCIAL has 6 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.36% above tier average
- + Total Members: Top 1.7% in tier
- + Fee Income Per Member: Top 2.4% in tier
- + Total Assets: Top 6.0% in tier
- + Total Loans: Top 8.7% in tier
- + Total Deposits: Top 9.8% in tier
Key Concerns
Areas that may need attention
- - ROA 1.03% below tier average
- - Efficiency ratio 1.57% above tier (higher cost structure)
- - Member decline: -5.0% YoY
- - Deposit Growth Rate: Bottom 7.3% in tier
- - Asset Growth Rate: Bottom 9.6% in tier
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 -9.9% year over year ($64.4M in shares and deposits).
- Membership: 9,129 members, -5.0% vs a year ago.
- Delinquency rate 0.59%.
- Return on assets 0.46%.
- Efficiency ratio 90.34% vs a 88.77% peer average.
- Loan-to-share ratio 65.68% 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 |
9,129
-5.0% YoY-1.3% QoQ
|
+6.5K |
2,585
-1.7% YoY
|
38,222
+5.6% YoY
|
34,678
+6.6% YoY
|
Top 1.8% in tier |
| Assets |
$84.3M
-6.8% YoY-3.3% QoQ
|
+$54.0M |
$30.3M
+1.5% YoY
|
$548.9M
+9.6% YoY
|
$593.1M
+10.2% YoY
|
Top 6.0% in tier |
| Loans |
$42.3M
-5.2% YoY+2.8% QoQ
|
+$26.8M |
$15.5M
-1.7% YoY
|
$385.7M
+10.8% YoY
|
$418.6M
+10.1% YoY
|
Top 8.7% in tier |
| Deposits |
$64.4M
-9.9% YoY-4.7% QoQ
|
+$38.6M |
$25.8M
+1.1% YoY
|
$462.6M
+9.2% YoY
|
$504.8M
+10.3% YoY
|
Top 9.8% in tier |
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| ROA |
0.5%
-4.4% YoY+1.0% QoQ
|
-1.0% |
1.5%
+241.5% YoY
|
0.9%
-19.6% YoY
|
1.2%
+121.4% YoY
|
29% |
| NIM |
4.3%
+5.0% YoY+2.7% QoQ
|
+0.4% |
3.9%
+0.9% YoY
|
4.2%
-1.3% YoY
|
3.8%
+2.3% YoY
|
68% |
| Efficiency Ratio |
90.3%
+0.3% YoY+0.1% QoQ
|
+1.6% |
88.8%
-6.9% YoY
|
79.7%
+5.8% YoY
|
83.0%
-5.3% YoY
|
72% |
| Delinquency Rate |
0.6%
+11.1% YoY+12.9% QoQ
|
-1.0 |
1.5%
+2.1% YoY
|
1.1%
+14.2% YoY
|
1.3%
+2.6% YoY
|
45% |
| Loan To Share |
65.7%
+5.2% YoY+7.8% QoQ
|
+6.8% |
58.9%
-3.1% YoY
|
70.2%
-0.9% YoY
|
66.4%
-1.4% YoY
|
60% |
| AMR |
$11,689
-3.2% YoY-0.5% QoQ
|
$-3K |
$14,963
-6.8% YoY
|
$17,221
+4.1% YoY
|
$20,028
-0.9% YoY
|
37% |
| CD Concentration |
12.2%
+17.2% YoY+3.1% QoQ
|
-12.3% | 24.6% | 18.3% | 20.0% | 50% |
| Indirect Auto % |
0.3%
-38.1% YoY-14.7% QoQ
|
-13.3% | 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)