BlastPoint's Credit Union Scorecard

REV

Charter #9986 · SC

Mid-Market 1B-3B

304 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 62.6% in tier
+ Net Interest Margin 0.40% above tier average
+ Net Worth Ratio: Top 9.2% in tier

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 0.3% in tier
- Liquidity Strain: Bottom 6.1% in tier
- Credit Risk Growth: Bottom 21.4% in tier
- Credit Quality Pressure: Bottom 25.4% in tier
- ROA 0.10% below tier average
- Efficiency ratio 12.07% above tier (higher cost structure)
- Members Per Employee (MPE): Bottom 6.9% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (SC)	National Avg	Tier Percentile
Members	67,129 +0.0% YoY+0.5% QoQ	-31.5K	98,678 -1.9% YoY	37,124 +2.2% YoY	33,089 +6.1% YoY	22%
Assets	$1.1B +4.5% YoY+0.2% QoQ	$-574.5M	$1.7B +0.5% YoY	$514.3M +4.6% YoY	$547.7M +7.8% YoY	16%
Loans	$939.9M +8.9% YoY+1.5% QoQ	$-293.2M	$1.2B +0.5% YoY	$362.8M +7.0% YoY	$388.7M +8.6% YoY	31%
Deposits	$922.9M +4.8% YoY-0.0% QoQ	$-531.4M	$1.5B +1.3% YoY	$433.3M +6.0% YoY	$464.6M +9.3% YoY	Bottom 10.2% 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	0.6% +5.4% YoY-2.1% QoQ	-0.1%	0.7% +13.4% YoY	1.2% +18.8% YoY	0.7% +273.4% YoY	42%
NIM	3.7% +2.7% YoY+1.6% QoQ	+0.4%	3.3% +9.3% YoY	4.3% +2.6% YoY	3.7% +5.0% YoY	77%
Efficiency Ratio	86.0% +1.6% YoY+0.5% QoQ	+12.1%	74.0% -10.9% YoY	75.1% -1.9% YoY	79.1% -3.3% YoY	Top 7.6% in tier
Delinquency Rate	0.7% +2.9% YoY+2.5% QoQ	-0.1	0.8% +6.1% YoY	0.9% +10.3% YoY	1.2% -0.9% YoY	51%
Loan To Share	101.8% +4.0% YoY+1.5% QoQ	+16.6%	85.2% -0.8% YoY	71.3% -1.2% YoY	68.0% -1.7% YoY	Top 11.8% in tier
AMR	$27,750 +6.8% YoY+0.2% QoQ	$-1K	$29,172 +2.8% YoY	$16,641 +2.9% YoY	$19,418 +1.3% YoY	52%
CD Concentration	26.4% +6.1% YoY+3.5% QoQ	-2.5%	29.0% +0.7% YoY	17.4% +3.6% YoY	19.6% +6.2% YoY	40%
Indirect Auto %	8.8% -26.6% YoY-5.5% QoQ	-10.0%	18.8% -3.0% YoY	5.9% -5.3% YoY	7.9% -2.9% YoY	33%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#73 of 116 • Top 62.6% in tier

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

Why This Signature

AMR Growth (YoY): 6.80%

(Tier: 3.04%, National: 4.19%)

better than tier avg

116 of 380 Mid-Market CUs have this signature | 620 nationally

↑ Growing +38 CUs YoY | New qualifier

Concerns (4)

Efficiency Drag

risk

#2 of 96 • Bottom 0.3% in tier

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

Why This Signature

Efficiency Ratio: 86.04%

(Tier: 73.43%, National: 79.10%)

worse than tier avg

ROA Change (YoY): 0.03% points

(Tier: 0.07% points, National: 0.05% points)

worse than tier avg

Member Growth (YoY): 0.00%

(Tier: 3.18%, National: 9.37%)

worse than tier avg

96 of 380 Mid-Market CUs have this signature | 624 nationally

↓ Shrinking -32 CUs YoY | Rank improving

Liquidity Strain

risk

#33 of 183 • Bottom 6.1% in tier

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

Why This Signature

Loan-to-Share Ratio: 101.84%

(Tier: 86.32%, National: 67.96%)

but better than tier avg

Loan Growth (YoY): 8.90%

(Tier: 6.14%, National: 36.38%)

but better than tier avg

183 of 380 Mid-Market CUs have this signature | 484 nationally

↑ Growing +10 CUs YoY | Rank improving

Credit Risk Growth

risk

#120 of 161 • Bottom 21.4% in tier

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

Why This Signature

Loan Growth (YoY): 8.90%

(Tier: 6.14%, National: 36.38%)

but better than tier avg

Delinquency Change (YoY): 0.02% points

(Tier: 0.07% points, National: 0.07% points)

but better than tier avg

161 of 380 Mid-Market CUs have this signature | 646 nationally

↓ Shrinking -30 CUs YoY | New qualifier

Credit Quality Pressure

risk

#195 of 217 • Bottom 25.4% in tier

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

Why This Signature

Delinquency Change (YoY): 0.02% points

(Tier: 0.07% points, National: 0.07% points)

but better than tier avg

217 of 380 Mid-Market CUs have this signature | 1002 nationally

↓ Shrinking -70 CUs YoY | Rank improving

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 304 peers in tier

Top Strengths (4 metrics)

Net Worth Ratio

risk

Value: 14.76%

Peer Avg: -

#29 of 304 Top 9.2% in 1B-3B tier

Loan-to-Share Ratio

balance_sheet

Value: 101.84%

Peer Avg: -

#36 of 304 Top 11.5% in 1B-3B tier

AMR Growth Rate

growth

Value: 6.80%

Peer Avg: -

#59 of 304 Top 19.1% in 1B-3B tier

Net Interest Margin (NIM)

profitability

Value: 3.67%

Peer Avg: -

#71 of 304 Top 23.0% in 1B-3B tier

Top Weaknesses (5 metrics)

284

Members Per Employee (MPE)

engagement

Value: 254.277

Peer Avg: -

#284 of 304 Bottom 6.9% in 1B-3B tier

282

Efficiency Ratio

profitability

Value: 86.04%

Peer Avg: -

#282 of 304 Bottom 7.6% in 1B-3B tier

273

Total Deposits

balance_sheet

Value: $922.94M

Peer Avg: -

#273 of 304 Bottom 10.5% in 1B-3B tier

254

Total Assets

balance_sheet

Value: $1.15B

Peer Avg: -

#254 of 304 Bottom 16.8% in 1B-3B tier

238

Total Members

engagement

Value: 67,129

Peer Avg: -

#238 of 304 Bottom 22.0% in 1B-3B tier