BlastPoint's Credit Union Scorecard
SAFE
Charter #9988 · SC
SAFE has 4 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
- + Profitability Leader: Top 21.3% in tier
- + ROA 0.82% above tier average
- + Net Interest Margin 0.30% above tier average
- + Efficiency Ratio: Top 3.9% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 4.4% in tier
- - Stagnation Risk: Bottom 13.8% in tier
- - Indirect Auto Dependency: Bottom 22.4% in tier
- - Membership Headwinds: Bottom 23.8% in tier
- - Flatlined Growth: Bottom 25.7% in tier
- - Delinquency rate 0.31% above tier average
- - Average Member Relationship (AMR): Bottom 9.9% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (SC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
142,913
-1.6% YoY0% QoQ
|
+44.2K |
98,678
-1.9% YoY
|
37,124
+2.2% YoY
|
33,089
+6.1% YoY
|
Top 14.8% in tier |
| Assets |
$1.9B
+0.5% YoY-0.2% QoQ
|
+$162.6M |
$1.7B
+0.5% YoY
|
$514.3M
+4.6% YoY
|
$547.7M
+7.8% YoY
|
65% |
| Loans |
$1.3B
-0.2% YoY+1.4% QoQ
|
+$69.7M |
$1.2B
+0.5% YoY
|
$362.8M
+7.0% YoY
|
$388.7M
+8.6% YoY
|
64% |
| Deposits |
$1.7B
+0.2% YoY-0.7% QoQ
|
+$202.6M |
$1.5B
+1.3% YoY
|
$433.3M
+6.0% YoY
|
$464.6M
+9.3% YoY
|
67% |
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| ROA |
1.5%
+199.7% YoY+4.1% QoQ
|
+0.8% |
0.7%
+13.4% YoY
|
1.2%
+18.8% YoY
|
0.7%
+273.4% YoY
|
Top 5.9% in tier |
| NIM |
3.6%
+38.8% YoY+4.0% QoQ
|
+0.3% |
3.3%
+9.3% YoY
|
4.3%
+2.6% YoY
|
3.7%
+5.0% YoY
|
69% |
| Efficiency Ratio |
58.1%
-18.5% YoY-3.3% QoQ
|
-15.8% |
74.0%
-10.9% YoY
|
75.1%
-1.9% YoY
|
79.1%
-3.3% YoY
|
Bottom 3.9% in tier |
| Delinquency Rate |
1.1%
+50.0% YoY+9.9% QoQ
|
+0.3 |
0.8%
+6.1% YoY
|
0.9%
+10.3% YoY
|
1.2%
-0.9% YoY
|
81% |
| Loan To Share |
78.6%
-0.4% YoY+2.1% QoQ
|
-6.6% |
85.2%
-0.8% YoY
|
71.3%
-1.2% YoY
|
68.0%
-1.7% YoY
|
30% |
| AMR |
$20,710
+1.6% YoY+0.2% QoQ
|
$-8K |
$29,172
+2.8% YoY
|
$16,641
+2.9% YoY
|
$19,418
+1.3% YoY
|
Bottom 9.5% in tier |
| CD Concentration |
31.9%
-4.5% YoY+5.5% QoQ
|
+2.9% |
29.0%
+0.7% YoY
|
17.4%
+3.6% YoY
|
19.6%
+6.2% YoY
|
65% |
| Indirect Auto % |
27.3%
-15.9% YoY-3.4% QoQ
|
+8.5% |
18.8%
-3.0% YoY
|
5.9%
-5.3% YoY
|
7.9%
-2.9% YoY
|
70% |
Signature Analysis
Strengths (1)
Profitability Leader
growthTop-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.
Concerns (5)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Stagnation Risk
riskMembership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Flatlined Growth
riskAsset growth stalled (-2% to +2%) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
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)