BlastPoint's Credit Union Scorecard
LATITUDE 32
Charter #8059 · SC
LATITUDE 32 has 3 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.62% above tier average
- + Total Loans: Top 6.6% in tier
- + Total Members: Top 7.2% in tier
Key Concerns
Areas that may need attention
- - ROA 0.13% below tier average
- - Indirect Auto Concentration (%): Bottom 0.6% 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 +2.9% year over year ($58.8M in shares and deposits).
- Membership: 6,368 members, -0.6% vs a year ago.
- Delinquency rate 0.39%.
- Return on assets 1.36%.
- Efficiency ratio 72.32% vs a 88.77% peer average.
- Loan-to-share ratio 79.30% 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 |
6,368
-0.6% YoY+0.7% QoQ
|
+3.8K |
2,585
-1.7% YoY
|
38,222
+5.6% YoY
|
34,678
+6.6% YoY
|
Top 7.3% in tier |
| Assets |
$69.5M
+3.8% YoY+2.6% QoQ
|
+$39.2M |
$30.3M
+1.5% YoY
|
$548.9M
+9.6% YoY
|
$593.1M
+10.2% YoY
|
Top 12.8% in tier |
| Loans |
$46.7M
+4.9% YoY+2.8% QoQ
|
+$31.2M |
$15.5M
-1.7% YoY
|
$385.7M
+10.8% YoY
|
$418.6M
+10.1% YoY
|
Top 6.6% in tier |
| Deposits |
$58.8M
+2.9% YoY+2.3% QoQ
|
+$33.0M |
$25.8M
+1.1% YoY
|
$462.6M
+9.2% YoY
|
$504.8M
+10.3% YoY
|
Top 13.0% in tier |
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| ROA |
1.4%
+0.9% YoY+46.2% QoQ
|
-0.1% |
1.5%
+241.5% YoY
|
0.9%
-19.6% YoY
|
1.2%
+121.4% YoY
|
76% |
| NIM |
4.5%
-1.6% YoY-0.2% QoQ
|
+0.6% |
3.9%
+0.9% YoY
|
4.2%
-1.3% YoY
|
3.8%
+2.3% YoY
|
76% |
| Efficiency Ratio |
72.3%
-0.8% YoY-4.3% QoQ
|
-16.5% |
88.8%
-6.9% YoY
|
79.7%
+5.8% YoY
|
83.0%
-5.3% YoY
|
30% |
| Delinquency Rate |
0.4%
+54.1% YoY+121.2% QoQ
|
-1.2 |
1.5%
+2.1% YoY
|
1.1%
+14.2% YoY
|
1.3%
+2.6% YoY
|
36% |
| Loan To Share |
79.3%
+1.9% YoY+0.4% QoQ
|
+20.4% |
58.9%
-3.1% YoY
|
70.2%
-0.9% YoY
|
66.4%
-1.4% YoY
|
79% |
| AMR |
$16,570
+4.4% YoY+1.8% QoQ
|
+$2K |
$14,963
-6.8% YoY
|
$17,221
+4.1% YoY
|
$20,028
-0.9% YoY
|
63% |
| CD Concentration |
12.6%
+5.4% YoY-2.3% QoQ
|
-11.9% | 24.6% | 18.3% | 20.0% | 50% |
| Indirect Auto % |
62.6%
+4.0% YoY+2.3% QoQ
|
+48.9% | 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)