BlastPoint's Credit Union Scorecard
REV
Charter #9986 · SC
REV has 3 strengths but faces 5 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
- + Wallet Share Momentum: Top 14.2% in tier
- + Net Interest Margin 0.30% above tier average
- + Loan-to-Share Ratio: Top 3.0% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 4.3% in tier
- - Liquidity Strain: Bottom 4.8% in tier
- - ROA 0.37% below tier average
- - Efficiency ratio 15.02% above tier (higher cost structure)
- - Members Per Employee (MPE): Bottom 5.7% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 300 credit unions with $1B-$3B in assets nationally, and 1 of 8 that size in South Carolina.
- Shares and deposits +4.9% year over year ($968M in shares and deposits).
- Membership: 66,744 members, -0.0% vs a year ago.
- Delinquency rate 0.57%.
- Return on assets 0.45%.
- Efficiency ratio 88.04% vs a 73.02% peer average.
- Loan-to-share ratio 106.30% vs a 84.71% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (SC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
66,744
-0.0% YoY+0.7% QoQ
|
-30.1K |
96,861
-1.9% YoY
|
38,222
+5.6% YoY
|
34,678
+6.6% YoY
|
22% |
| Assets |
$1.2B
+8.3% YoY+2.1% QoQ
|
$-486.3M |
$1.7B
+0.4% YoY
|
$548.9M
+9.6% YoY
|
$593.1M
+10.2% YoY
|
25% |
| Loans |
$1.0B
+11.2% YoY+4.0% QoQ
|
$-204.9M |
$1.2B
+0.7% YoY
|
$385.7M
+10.8% YoY
|
$418.6M
+10.1% YoY
|
41% |
| Deposits |
$968.4M
+4.9% YoY+0.6% QoQ
|
$-495.0M |
$1.5B
+0.5% YoY
|
$462.6M
+9.2% YoY
|
$504.8M
+10.3% YoY
|
Bottom 14.7% in tier |
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| ROA |
0.4%
-26.8% YoY-7.9% QoQ
|
-0.4% |
0.8%
+27.6% YoY
|
0.9%
-19.6% YoY
|
1.2%
+121.4% YoY
|
20% |
| NIM |
3.7%
+3.2% YoY+1.7% QoQ
|
+0.3% |
3.4%
+6.6% YoY
|
4.2%
-1.3% YoY
|
3.8%
+2.3% YoY
|
70% |
| Efficiency Ratio |
88.0%
+2.8% YoY+0.8% QoQ
|
+15.0% |
73.0%
-2.7% YoY
|
79.7%
+5.8% YoY
|
83.0%
-5.3% YoY
|
Bottom 4.7% in tier |
| Delinquency Rate |
0.6%
-15.5% YoY-7.5% QoQ
|
-0.3 |
0.9%
+7.3% YoY
|
1.1%
+14.2% YoY
|
1.3%
+2.6% YoY
|
35% |
| Loan To Share |
106.3%
+6.0% YoY+3.4% QoQ
|
+21.6% |
84.7%
+0.1% YoY
|
70.2%
-0.9% YoY
|
66.4%
-1.4% YoY
|
Top 3.3% in tier |
| AMR |
$29,931
+8.1% YoY+1.6% QoQ
|
+$356 |
$29,575
+1.5% YoY
|
$17,221
+4.1% YoY
|
$20,028
-0.9% YoY
|
61% |
| CD Concentration |
29.4%
+15.2% YoY+4.4% QoQ
|
+0.4% | 29.1% | 18.3% | 20.0% | 53% |
| Indirect Auto % |
8.4%
-9.9% YoY-0.7% QoQ
|
-9.7% | 18.1% | 6.0% | 7.7% | 34% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (2)
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.
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)