BlastPoint's Credit Union Scorecard

LATITUDE 32

Charter #8059 · SC

2556 CUs in <100M nationally 24 in SC

LATITUDE 32 has 4 strengths but faces 2 concerns

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 0.48% above tier average
+ Net Interest Margin 0.68% above tier average
+ Total Members: Top 7.7% in tier
+ Total Loans: Top 7.9% in tier

Key Concerns

Areas that may need attention

- Member decline: -3.2% YoY
- Indirect Auto Concentration (%): Bottom 1.0% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (SC)	National Avg	Tier Percentile
Members	6,297 -3.2% YoY-0.3% QoQ	+3.7K	2,615 -1.9% YoY	37,100 +2.2% YoY	33,374 +5.7% YoY	Top 7.7% in tier
Assets	$68.3M +3.9% YoY+1.6% QoQ	+$38.2M	$30.1M +2.1% YoY	$523.8M +6.7% YoY	$561.6M +9.7% YoY	Top 13.3% in tier
Loans	$44.6M -3.6% YoY+2.2% QoQ	+$28.8M	$15.8M -1.3% YoY	$367.9M +7.3% YoY	$397.0M +8.8% YoY	Top 7.9% in tier
Deposits	$58.1M +3.5% YoY+2.0% QoQ	+$32.4M	$25.7M +1.4% YoY	$439.0M +5.8% YoY	$477.3M +9.7% YoY	Top 13.3% 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	1.1% -19.8% YoY-24.0% QoQ	+0.5%	0.6% +10.8% YoY	1.0% +5.1% YoY	0.7% +15.9% YoY	70%
NIM	4.6% +1.0% YoY-0.3% QoQ	+0.7%	4.0% +4.0% YoY	4.2% +0.5% YoY	3.8% +5.1% YoY	78%
Efficiency Ratio	76.9% +2.8% YoY+5.4% QoQ	-5.7%	82.6% -2.3% YoY	76.9% -0.6% YoY	79.7% -3.3% YoY	43%
Delinquency Rate	0.2% +5.2% YoY-38.3% QoQ	-1.3	1.6% -3.1% YoY	1.0% +13.3% YoY	1.3% -2.1% YoY	28%
Loan To Share	76.8% -6.8% YoY+0.2% QoQ	+16.1%	60.6% -3.1% YoY	71.5% -0.9% YoY	67.4% -1.7% YoY	73%
AMR	$16,305 +3.6% YoY+2.4% QoQ	+$2K	$14,783 -1.4% YoY	$16,782 +2.9% YoY	$19,687 +2.0% YoY	63%
CD Concentration	11.7% -4.0% YoY-0.5% QoQ	-12.8%	24.4%	17.8%	19.8%	50%
Indirect Auto %	60.1% -3.4% YoY-0.0% QoQ	+46.3%	13.8%	5.9%	7.8%	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 2556 peers in tier

Top Strengths (6 metrics)

197

Total Members

engagement

Value: 6,297

Peer Median: -

#197 of 2556 Top 7.7% in <100M tier

202

Total Loans

balance_sheet

Value: $44.58M

Peer Median: -

#202 of 2556 Top 7.9% in <100M tier

339

Total Assets

balance_sheet

Value: $68.31M

Peer Median: -

#339 of 2556 Top 13.2% in <100M tier

341

Total Deposits

balance_sheet

Value: $58.09M

Peer Median: -

#341 of 2556 Top 13.3% in <100M tier

418

Fee Income Per Member

profitability

Value: $143.62

Peer Median: -

#418 of 2556 Top 16.3% in <100M tier

572

Net Interest Margin (NIM)

profitability

Value: 4.64%

Peer Median: -

#572 of 2556 Top 22.3% in <100M tier

Top Weaknesses (1 metrics)

2532

Indirect Auto Concentration (%)

balance_sheet

Value: 60.14%

Peer Median: -

#2532 of 2556 Bottom 1.0% in <100M tier