BlastPoint's Credit Union Scorecard

LATITUDE 32

Charter #8059 · SC

<100M

2508 CUs in <100M nationally 24 in SC

LATITUDE 32 has 4 strengths but faces 1 concern

National Analysis

How does the industry compare?

SC Analysis

How does SC stack up?

Key Strengths

Areas where this CU excels compared to peers

+ ROA 0.78% above tier average
+ Net Interest Margin 0.52% above tier average
+ Total Loans: Top 6.7% in tier
+ Total Members: Top 7.2% in tier

Key Concerns

Areas that may need attention

- Indirect Auto Concentration (%): Bottom 0.8% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (SC)	National Avg	Tier Percentile
Members	6,323 -1.8% YoY+0.4% QoQ	+3.6K	2,676 +1.6% YoY	37,268 +3.6% YoY	33,913 +5.7% YoY	Top 7.3% in tier
Assets	$67.8M +1.6% YoY-0.8% QoQ	+$37.6M	$30.2M +1.3% YoY	$534.3M +6.5% YoY	$578.3M +9.0% YoY	Top 13.1% in tier
Loans	$45.4M +1.6% YoY+1.8% QoQ	+$30.1M	$15.3M -2.0% YoY	$369.7M +7.8% YoY	$402.4M +8.7% YoY	Top 6.7% in tier
Deposits	$57.5M +0.6% YoY-1.0% QoQ	+$31.7M	$25.8M +0.7% YoY	$450.9M +6.0% YoY	$494.3M +9.1% YoY	Top 13.6% 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	0.9% -34.7% YoY-15.5% QoQ	+0.8%	0.1% -77.6% YoY	0.7% -43.3% YoY	0.4% -39.2% YoY	66%
NIM	4.5% -1.1% YoY-2.3% QoQ	+0.5%	4.0% +4.0% YoY	4.1% -0.5% YoY	3.8% +4.1% YoY	78%
Efficiency Ratio	75.6% +4.2% YoY-1.7% QoQ	-15.0%	90.6% +6.5% YoY	81.4% +7.0% YoY	84.6% +2.8% YoY	36%
Delinquency Rate	0.2% +21.2% YoY-25.6% QoQ	-1.3	1.5% +3.8% YoY	0.8% +19.1% YoY	1.2% +3.4% YoY	27%
Loan To Share	78.9% +1.0% YoY+2.9% QoQ	+20.4%	58.5% -3.0% YoY	69.5% -0.5% YoY	65.6% -1.4% YoY	80%
AMR	$16,274 +2.9% YoY-0.2% QoQ	+$1K	$14,884 -1.7% YoY	$16,971 +2.3% YoY	$19,920 +1.6% YoY	62%
CD Concentration	12.9% +9.7% YoY+10.8% QoQ	-11.4%	24.3%	18.0%	19.8%	50%
Indirect Auto %	61.2% +1.1% YoY+1.8% QoQ	+47.4%	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)

Compare against:

Comparing against 2508 peers in tier

Top Strengths (8 metrics)

169

Total Loans

balance_sheet

Value: $45.40M

Peer Median: $9.48M

#169 of 2508 Top 6.7% in <100M tier

182

Total Members

engagement

Value: 6,323

Peer Median: 1,918

#182 of 2508 Top 7.2% in <100M tier

329

Total Assets

balance_sheet

Value: $67.78M

Peer Median: $21.86M

#329 of 2508 Top 13.1% in <100M tier

340

Total Deposits

balance_sheet

Value: $57.50M

Peer Median: $18.77M

#340 of 2508 Top 13.5% in <100M tier

370

Fee Income Per Member

profitability

Value: $137.78

Peer Median: $60.42

#370 of 2508 Top 14.7% in <100M tier

490

Loan-to-Share Ratio

balance_sheet

Value: 78.95%

Peer Median: 58.72%

#490 of 2508 Top 19.5% in <100M tier

561

Net Interest Margin (NIM)

profitability

Value: 4.53%

Peer Median: 3.83%

#561 of 2508 Top 22.3% in <100M tier

587

Loan-to-Member Ratio (LMR)

engagement

Value: $7,180

Peer Median: $4,923

#587 of 2508 Top 23.4% in <100M tier

Top Weaknesses (1 metrics)

2489

Indirect Auto Concentration (%)

balance_sheet

Value: 61.19%

Peer Median: 0.00%

#2489 of 2508 Bottom 0.8% in <100M tier