BlastPoint's Credit Union Scorecard

SAFE

Charter #9988 · SC

Mid-Market 1B-3B

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

View Mid-Market leaderboard →

SAFE has 3 strengths but faces 5 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

+ ROA 0.44% above tier average
+ Net Interest Margin 0.37% above tier average
+ Efficiency Ratio: Top 4.2% in tier

Key Concerns

Areas that may need attention

- Margin Compression: Bottom 18.3% in tier
- Indirect Auto Dependency: Bottom 76.6% in tier
- Stagnation Risk: Bottom 82.9% in tier
- Membership Headwinds: Bottom 82.9% in tier
- Net Charge-Off Rate: Bottom 3.3% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (SC)	National Avg	Tier Percentile
Members	140,790 -1.6% YoY+0.1% QoQ	+44.7K	96,048 -2.7% YoY	37,268 +3.6% YoY	33,913 +5.7% YoY	Top 14.4% in tier
Assets	$2.0B +2.3% YoY+0.4% QoQ	+$230.2M	$1.7B +0.4% YoY	$534.3M +6.5% YoY	$578.3M +9.0% YoY	67%
Loans	$1.3B +1.1% YoY-0.1% QoQ	+$90.0M	$1.2B +0.2% YoY	$369.7M +7.8% YoY	$402.4M +8.7% YoY	66%
Deposits	$1.7B +0.9% YoY+2.0% QoQ	+$246.8M	$1.5B +0.5% YoY	$450.9M +6.0% YoY	$494.3M +9.1% YoY	70%

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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	1.2% -13.3% YoY-15.5% QoQ	+0.4%	0.7% +27.6% YoY	0.7% -43.3% YoY	0.4% -39.2% YoY	83%
NIM	3.7% +13.1% YoY+6.7% QoQ	+0.4%	3.4% +6.2% YoY	4.1% -0.5% YoY	3.8% +4.1% YoY	74%
Efficiency Ratio	58.1% -5.2% YoY-3.7% QoQ	-16.6%	74.6% -3.0% YoY	81.4% +7.0% YoY	84.6% +2.8% YoY	Top 4.2% in tier
Delinquency Rate	0.7% -24.9% YoY-39.6% QoQ	-0.1	0.8% +6.9% YoY	0.8% +19.1% YoY	1.2% +3.4% YoY	52%
Loan To Share	76.1% +0.2% YoY-2.1% QoQ	-7.0%	83.2% -0.4% YoY	69.5% -0.5% YoY	65.6% -1.4% YoY	26%
AMR	$21,423 +2.6% YoY+1.0% QoQ	$-8K	$29,652 +2.3% YoY	$16,971 +2.3% YoY	$19,920 +1.6% YoY	Bottom 9.8% in tier
CD Concentration	31.1% -0.8% YoY-1.4% QoQ	+2.3%	28.8%	18.0%	19.8%	61%
Indirect Auto %	25.1% -16.3% YoY-3.6% QoQ	+7.0%	18.1%	5.9%	7.7%	69%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (4)

Margin Compression

decline

#6 of 24 • Bottom 18.3% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.

Why This Signature

Return on Assets: 1.15%

(Tier: 0.72%, National: 0.39%)

but better than tier avg

ROA (Prior Year): 1.33%

(Tier: 0.58%, National: 0.75%)

but better than tier avg

ROA Change (YoY): -0.18% points

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

worse than tier avg

24 of 384 Mid-Market CUs have this signature | 162 nationally

→ No prior data (24 CUs now) | New qualifier

Stagnation Risk

risk

#52 of 91 • Bottom 82.9% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -1.61%

(Tier: 3.50%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): 1.07%

(Tier: 6.71%, National: 1.74%)

worse than tier avg

Delinquency Rate: 0.65%

(Tier: 0.75%, National: 1.19%)

but better than tier avg

91 of 384 Mid-Market CUs have this signature | 676 nationally

→ No prior data (91 CUs now) | New qualifier

Indirect Auto Dependency

risk

#139 of 198 • Bottom 76.6% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): 2.33%

(Tier: 6.82%, National: 1663.40%)

worse than tier avg

Indirect Auto %: 25.07%

(Tier: 18.07%, National: 7.73%)

worse than tier avg

Member Growth (YoY): -1.61%

(Tier: 3.50%, National: 10.19%)

worse than tier avg

198 of 384 Mid-Market CUs have this signature | 745 nationally

↓ Shrinking -10 CUs YoY | Rank worsening

Membership Headwinds

decline

#66 of 91 • Bottom 82.9% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -1.61%

(Tier: 3.50%, National: 10.19%)

worse than tier avg

91 of 384 Mid-Market CUs have this signature | 676 nationally

→ No prior data (91 CUs now) | 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 (3 metrics)

Efficiency Ratio

profitability

Value: 58.07%

Peer Median: 75.16%

#14 of 306 Top 4.2% in 1B-3B tier

Total Members

engagement

Value: 140,790

Peer Median: 85,918

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

Return on Assets (ROA)

profitability

Value: 1.15%

Peer Median: 0.66%

#52 of 306 Top 16.7% in 1B-3B tier

Top Weaknesses (6 metrics)

297

Net Charge-Off Rate

risk

Value: 1.49%

Peer Median: 0.51%

#297 of 306 Bottom 3.3% in 1B-3B tier

276

Average Member Relationship (AMR)

engagement

Value: $21,423

Peer Median: $28,178

#276 of 306 Bottom 10.1% in 1B-3B tier

270

Loan-to-Member Ratio (LMR)

engagement

Value: $9,260

Peer Median: $12,733

#270 of 306 Bottom 12.1% in 1B-3B tier

252

Deposit Growth Rate

growth

Value: 0.88%

Peer Median: 4.44%

#252 of 306 Bottom 18.0% in 1B-3B tier

250

Member Growth Rate

growth

Value: -1.61%

Peer Median: 2.03%

#250 of 306 Bottom 18.6% in 1B-3B tier

233

Asset Growth Rate

growth

Value: 2.33%

Peer Median: 4.82%

#233 of 306 Bottom 24.2% in 1B-3B tier