BlastPoint's Credit Union Scorecard
REV
Charter #9986 · SC
REV has 7 strengths but faces 7 concerns
How does the industry compare?
What's your peer group doing?
How does SC stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Leader: Top 80.1% in tier
- + Wallet Share Momentum: Top 80.3% in tier
- + Organic Growth Engine: Top 82.9% in tier
- + Emerging Performer: Top 98.7% in tier
- + Net Interest Margin 0.37% above tier average
- + Loan-to-Share Ratio: Top 5.6% in tier
- + Net Worth Ratio: Top 9.6% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 5.5% in tier
- - Efficiency Drag: Bottom 5.6% in tier
- - Credit Risk Growth: Bottom 33.7% in tier
- - Credit Quality Pressure: Bottom 67.1% in tier
- - ROA 0.13% below tier average
- - Efficiency ratio 11.89% above tier (higher cost structure)
- - Members Per Employee (MPE): Bottom 7.3% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (SC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
67,129
+1.7% YoY0% QoQ
|
-30.3K |
97,431
-2.4% YoY
|
37,100
+2.2% YoY
|
33,374
+5.7% YoY
|
22% |
| Assets |
$1.2B
+6.4% YoY+3.3% QoQ
|
$-541.0M |
$1.7B
+0.9% YoY
|
$523.8M
+6.7% YoY
|
$561.6M
+9.7% YoY
|
20% |
| Loans |
$978.1M
+11.5% YoY+4.1% QoQ
|
$-256.3M |
$1.2B
+0.5% YoY
|
$367.9M
+7.3% YoY
|
$397.0M
+8.8% YoY
|
34% |
| Deposits |
$934.6M
+4.2% YoY+1.3% QoQ
|
$-524.7M |
$1.5B
+0.9% YoY
|
$439.0M
+5.8% YoY
|
$477.3M
+9.7% YoY
|
Bottom 10.6% in tier |
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| ROA |
0.6%
+7.6% YoY-7.8% QoQ
|
-0.1% |
0.7%
+20.9% YoY
|
1.0%
+5.1% YoY
|
0.7%
+15.9% YoY
|
38% |
| NIM |
3.6%
-0.0% YoY-0.7% QoQ
|
+0.4% |
3.3%
+9.2% YoY
|
4.2%
+0.5% YoY
|
3.8%
+5.1% YoY
|
74% |
| Efficiency Ratio |
85.9%
+0.4% YoY-0.1% QoQ
|
+11.9% |
74.1%
-9.5% YoY
|
76.9%
-0.6% YoY
|
79.7%
-3.3% YoY
|
Top 7.9% in tier |
| Delinquency Rate |
0.8%
+11.5% YoY+14.8% QoQ
|
-0.1 |
0.9%
+6.2% YoY
|
1.0%
+13.3% YoY
|
1.3%
-2.1% YoY
|
52% |
| Loan To Share |
104.6%
+7.0% YoY+2.8% QoQ
|
+19.9% |
84.8%
-0.8% YoY
|
71.5%
-0.9% YoY
|
67.4%
-1.7% YoY
|
Top 6.0% in tier |
| AMR |
$28,494
+6.0% YoY+2.7% QoQ
|
$-935 |
$29,428
+2.4% YoY
|
$16,782
+2.9% YoY
|
$19,687
+2.0% YoY
|
55% |
| CD Concentration |
27.2%
+4.9% YoY+2.9% QoQ
|
-1.8% | 29.0% | 17.8% | 19.8% | 42% |
| Indirect Auto % |
8.4%
-20.6% YoY-5.1% QoQ
|
-9.9% | 18.3% | 5.9% | 7.8% | 33% |
Signature Analysis
Strengths (4)
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Concerns (4)
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)