BlastPoint's Credit Union Scorecard
SAFE
Charter #9988 · SC
SAFE has 4 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 25.5% in tier
- + ROA 0.45% above tier average
- + Net Interest Margin 0.39% above tier average
- + Efficiency Ratio: Top 7.0% in tier
Key Concerns
Areas that may need attention
- - Margin Compression: Bottom 16.0% in tier
- - Indirect Auto Dependency: Bottom 58.1% in tier
- - Membership Headwinds: Bottom 83.6% in tier
- - Stagnation Risk: Bottom 83.6% in tier
- - Net Charge-Off Rate: Bottom 6.0% 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 +3.1% year over year ($1.72B in shares and deposits).
- Membership: 140,414 members, -1.7% vs a year ago.
- Delinquency rate 0.63%.
- Return on assets 1.27%.
- Efficiency ratio 58.53% vs a 73.02% peer average.
- Loan-to-share ratio 79.12% 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 |
140,414
-1.7% YoY-0.3% QoQ
|
+43.6K |
96,861
-1.9% YoY
|
38,222
+5.6% YoY
|
34,678
+6.6% YoY
|
Top 14.7% in tier |
| Assets |
$2.0B
+4.3% YoY+0.8% QoQ
|
+$241.8M |
$1.7B
+0.4% YoY
|
$548.9M
+9.6% YoY
|
$593.1M
+10.2% YoY
|
67% |
| Loans |
$1.4B
+5.9% YoY+4.4% QoQ
|
+$126.4M |
$1.2B
+0.7% YoY
|
$385.7M
+10.8% YoY
|
$418.6M
+10.1% YoY
|
67% |
| Deposits |
$1.7B
+3.1% YoY+0.4% QoQ
|
+$256.3M |
$1.5B
+0.5% YoY
|
$462.6M
+9.2% YoY
|
$504.8M
+10.3% YoY
|
70% |
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| ROA |
1.3%
-13.1% YoY+10.3% QoQ
|
+0.5% |
0.8%
+27.6% YoY
|
0.9%
-19.6% YoY
|
1.2%
+121.4% YoY
|
Top 14.7% in tier |
| NIM |
3.8%
+11.0% YoY+2.4% QoQ
|
+0.4% |
3.4%
+6.6% YoY
|
4.2%
-1.3% YoY
|
3.8%
+2.3% YoY
|
75% |
| Efficiency Ratio |
58.5%
-2.6% YoY+0.8% QoQ
|
-14.5% |
73.0%
-2.7% YoY
|
79.7%
+5.8% YoY
|
83.0%
-5.3% YoY
|
Top 7.0% in tier |
| Delinquency Rate |
0.6%
-38.7% YoY-2.9% QoQ
|
-0.2 |
0.9%
+7.3% YoY
|
1.1%
+14.2% YoY
|
1.3%
+2.6% YoY
|
44% |
| Loan To Share |
79.1%
+2.7% YoY+3.9% QoQ
|
-5.6% |
84.7%
+0.1% YoY
|
70.2%
-0.9% YoY
|
66.4%
-1.4% YoY
|
28% |
| AMR |
$21,938
+6.2% YoY+2.4% QoQ
|
$-8K |
$29,575
+1.5% YoY
|
$17,221
+4.1% YoY
|
$20,028
-0.9% YoY
|
Bottom 11.0% in tier |
| CD Concentration |
31.6%
+4.7% YoY+1.6% QoQ
|
+2.6% | 29.1% | 18.3% | 20.0% | 64% |
| Indirect Auto % |
25.7%
-9.2% YoY+2.4% QoQ
|
+7.6% | 18.1% | 6.0% | 7.7% | 71% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (4)
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.
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.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
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)