BlastPoint's Credit Union Scorecard
LATITUDE 32
Charter #8059 · SC
LATITUDE 32 has 4 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.77% above tier average
- + Net Interest Margin 0.72% above tier average
- + Total Members: Top 8.0% in tier
- + Total Loans: Top 8.3% in tier
Key Concerns
Areas that may need attention
- - Member decline: -3.8% YoY
- - Indirect Auto Concentration (%): Bottom 1.1% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (SC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
6,314
-3.8% YoY-1.5% QoQ
|
+3.7K |
2,625
-2.2% YoY
|
37,124
+2.2% YoY
|
33,089
+6.1% YoY
|
Top 8.1% in tier |
| Assets |
$67.2M
+2.6% YoY+0.3% QoQ
|
+$37.4M |
$29.9M
+1.1% YoY
|
$514.3M
+4.6% YoY
|
$547.7M
+7.8% YoY
|
Top 13.3% in tier |
| Loans |
$43.6M
-8.9% YoY-1.9% QoQ
|
+$27.8M |
$15.8M
-2.4% YoY
|
$362.8M
+7.0% YoY
|
$388.7M
+8.6% YoY
|
Top 8.4% in tier |
| Deposits |
$56.9M
+1.1% YoY-0.4% QoQ
|
+$31.5M |
$25.5M
+0.4% YoY
|
$433.3M
+6.0% YoY
|
$464.6M
+9.3% YoY
|
Top 13.7% in tier |
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| ROA |
1.4%
-7.8% YoY+7.5% QoQ
|
+0.8% |
0.7%
-731.4% YoY
|
1.2%
+18.8% YoY
|
0.7%
+273.4% YoY
|
79% |
| NIM |
4.6%
+2.3% YoY+1.2% QoQ
|
+0.7% |
3.9%
+3.8% YoY
|
4.3%
+2.6% YoY
|
3.7%
+5.0% YoY
|
78% |
| Efficiency Ratio |
73.0%
+1.2% YoY+0.2% QoQ
|
-8.4% |
81.4%
-2.4% YoY
|
75.1%
-1.9% YoY
|
79.1%
-3.3% YoY
|
37% |
| Delinquency Rate |
0.4%
+37.7% YoY+51.8% QoQ
|
-1.1 |
1.5%
-2.0% YoY
|
0.9%
+10.3% YoY
|
1.2%
-0.9% YoY
|
36% |
| Loan To Share |
76.6%
-9.9% YoY-1.5% QoQ
|
+15.4% |
61.2%
-3.0% YoY
|
71.3%
-1.2% YoY
|
68.0%
-1.7% YoY
|
73% |
| AMR |
$15,925
+0.4% YoY+0.4% QoQ
|
+$1K |
$14,627
-2.7% YoY
|
$16,641
+2.9% YoY
|
$19,418
+1.3% YoY
|
62% |
| CD Concentration |
11.7%
-2.4% YoY-2.1% QoQ
|
-12.7% |
24.4%
+4.2% YoY
|
17.4%
+3.6% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
60.2%
-5.2% YoY-0.0% QoQ
|
+46.2% |
14.0%
-5.7% YoY
|
5.9%
-5.3% YoY
|
7.9%
-2.9% YoY
|
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)