BlastPoint's Credit Union Scorecard

REV

Charter #9986 · SC

Mid-Market 1B-3B

306 CUs in 1B-3B nationally 8 in SC

View Mid-Market leaderboard →

REV has 3 strengths but faces 7 concerns

National Analysis

How does the industry compare?

Mid-Market Tier

What's your peer group doing?

SC Analysis

How does SC stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Wallet Share Momentum: Top 13.2% in tier
+ Net Interest Margin 0.31% above tier average
+ Loan-to-Share Ratio: Top 5.9% in tier

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 6.8% in tier
- Efficiency Drag: Bottom 7.8% in tier
- Credit Risk Growth: Bottom 15.0% in tier
- Credit Quality Pressure: Bottom 26.8% in tier
- ROA 0.23% below tier average
- Efficiency ratio 12.67% above tier (higher cost structure)
- Members Per Employee (MPE): Bottom 6.9% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (SC)	National Avg	Tier Percentile
Members	66,276 -0.3% YoY-1.3% QoQ	-29.8K	96,048 -2.7% YoY	37,268 +3.6% YoY	33,913 +5.7% YoY	22%
Assets	$1.2B +5.9% YoY+2.6% QoQ	$-507.4M	$1.7B +0.4% YoY	$534.3M +6.5% YoY	$578.3M +9.0% YoY	22%
Loans	$989.8M +12.2% YoY+1.2% QoQ	$-224.0M	$1.2B +0.2% YoY	$369.7M +7.8% YoY	$402.4M +8.7% YoY	37%
Deposits	$962.5M +4.0% YoY+3.0% QoQ	$-503.1M	$1.5B +0.5% YoY	$450.9M +6.0% YoY	$494.3M +9.1% YoY	Bottom 13.1% 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	0.5% -22.7% YoY-12.1% QoQ	-0.2%	0.7% +27.6% YoY	0.7% -43.3% YoY	0.4% -39.2% YoY	30%
NIM	3.7% +2.4% YoY+0.7% QoQ	+0.3%	3.4% +6.2% YoY	4.1% -0.5% YoY	3.8% +4.1% YoY	71%
Efficiency Ratio	87.3% +3.5% YoY+1.6% QoQ	+12.7%	74.6% -3.0% YoY	81.4% +7.0% YoY	84.6% +2.8% YoY	Bottom 8.8% in tier
Delinquency Rate	0.6% +30.0% YoY-22.3% QoQ	-0.1	0.8% +6.9% YoY	0.8% +19.1% YoY	1.2% +3.4% YoY	47%
Loan To Share	102.8% +8.0% YoY-1.7% QoQ	+19.7%	83.2% -0.4% YoY	69.5% -0.5% YoY	65.6% -1.4% YoY	Top 6.2% in tier
AMR	$29,456 +8.3% YoY+3.4% QoQ	$-196	$29,652 +2.3% YoY	$16,971 +2.3% YoY	$19,920 +1.6% YoY	58%
CD Concentration	28.2% +8.9% YoY+3.6% QoQ	-0.7%	28.8%	18.0%	19.8%	49%
Indirect Auto %	8.5% -14.1% YoY+1.1% QoQ	-9.6%	18.1%	5.9%	7.7%	34%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#50 of 125 • Top 13.2% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 8.32%

(Tier: 3.34%, National: 6.36%)

better than tier avg

125 of 384 Mid-Market CUs have this signature | 637 nationally

↑ Growing +31 CUs YoY | New qualifier

Concerns (4)

Liquidity Strain

risk

#9 of 148 • Bottom 6.8% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature

Loan-to-Share Ratio: 102.84%

(Tier: 84.20%, National: 65.58%)

but better than tier avg

Loan Growth (YoY): 12.23%

(Tier: 6.71%, National: 1.74%)

but better than tier avg

148 of 384 Mid-Market CUs have this signature | 367 nationally

→ Stable (149→148 CUs) -1 CUs YoY | Rank improving

Efficiency Drag

risk

#10 of 100 • Bottom 7.8% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 87.30%

(Tier: 73.98%, National: 84.64%)

worse than tier avg

ROA Change (YoY): -0.14% points

(Tier: 0.14% points, National: -0.45% points)

worse than tier avg

Member Growth (YoY): -0.30%

(Tier: 3.50%, National: 10.19%)

worse than tier avg

100 of 384 Mid-Market CUs have this signature | 702 nationally

↓ Shrinking -38 CUs YoY | Rank improving

Credit Risk Growth

risk

#39 of 183 • Bottom 15.0% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 12.23%

(Tier: 6.71%, National: 1.74%)

but better than tier avg

Delinquency Change (YoY): 0.14% points

(Tier: 0.06% points, National: 0.12% points)

worse than tier avg

183 of 384 Mid-Market CUs have this signature | 710 nationally

→ No prior data (183 CUs now) | New qualifier

Credit Quality Pressure

risk

#102 of 225 • Bottom 26.8% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.14% points

(Tier: 0.06% points, National: 0.12% points)

worse than tier avg

225 of 384 Mid-Market CUs have this signature | 1013 nationally

→ Stable (228→225 CUs) -3 CUs YoY | New qualifier

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 306 peers in tier

Top Strengths (4 metrics)

Loan-to-Share Ratio

balance_sheet

Value: 102.84%

Peer Median: 85.31%

#19 of 306 Top 5.9% in 1B-3B tier

Net Worth Ratio

risk

Value: 13.93%

Peer Median: 10.85%

#37 of 306 Top 11.8% in 1B-3B tier

AMR Growth Rate

growth

Value: 8.32%

Peer Median: 3.15%

#42 of 306 Top 13.4% in 1B-3B tier

Loan Growth Rate

growth

Value: 12.23%

Peer Median: 5.67%

#44 of 306 Top 14.1% in 1B-3B tier

Top Weaknesses (5 metrics)

286

Members Per Employee (MPE)

engagement

Value: 250.098

Peer Median: 345.077

#286 of 306 Bottom 6.9% in 1B-3B tier

280

Efficiency Ratio

profitability

Value: 87.30%

Peer Median: 75.16%

#280 of 306 Bottom 8.8% in 1B-3B tier

266

Total Deposits

balance_sheet

Value: $962.46M

Peer Median: $1.31B

#266 of 306 Bottom 13.4% in 1B-3B tier

240

Total Members

engagement

Value: 66,276

Peer Median: 85,918

#240 of 306 Bottom 21.9% in 1B-3B tier

237

Total Assets

balance_sheet

Value: $1.21B

Peer Median: $1.51B

#237 of 306 Bottom 22.9% in 1B-3B tier