BlastPoint's Credit Union Scorecard

SAFE

Charter #9988 · SC

Mid-Market 1B-3B

302 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 0.68% above tier average
+ Net Interest Margin 0.21% above tier average
+ Efficiency Ratio: Top 7.0% in tier

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 39.0% in tier
- Stagnation Risk: Bottom 39.3% in tier
- Indirect Auto Dependency: Bottom 44.6% in tier
- Membership Headwinds: Bottom 57.1% in tier
- Delinquency rate 0.18% above tier average

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (SC)	National Avg	Tier Percentile
Members	140,708 -1.9% YoY-1.5% QoQ	+43.3K	97,431 -2.4% YoY	37,100 +2.2% YoY	33,374 +5.7% YoY	84%
Assets	$1.9B +4.9% YoY+3.2% QoQ	+$219.5M	$1.7B +0.9% YoY	$523.8M +6.7% YoY	$561.6M +9.7% YoY	66%
Loans	$1.3B +0.1% YoY+0.2% QoQ	+$70.4M	$1.2B +0.5% YoY	$367.9M +7.3% YoY	$397.0M +8.8% YoY	65%
Deposits	$1.7B +1.2% YoY+1.3% QoQ	+$219.2M	$1.5B +0.9% YoY	$439.0M +5.8% YoY	$477.3M +9.7% YoY	68%

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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	1.4% +186.1% YoY-10.4% QoQ	+0.7%	0.7% +20.9% YoY	1.0% +5.1% YoY	0.7% +15.9% YoY	Top 7.6% in tier
NIM	3.5% +27.5% YoY-2.3% QoQ	+0.2%	3.3% +9.2% YoY	4.2% +0.5% YoY	3.8% +5.1% YoY	64%
Efficiency Ratio	60.3% -14.6% YoY+3.7% QoQ	-13.8%	74.1% -9.5% YoY	76.9% -0.6% YoY	79.7% -3.3% YoY	Bottom 7.0% in tier
Delinquency Rate	1.1% +19.5% YoY-5.0% QoQ	+0.2	0.9% +6.2% YoY	1.0% +13.3% YoY	1.3% -2.1% YoY	75%
Loan To Share	77.7% -1.1% YoY-1.1% QoQ	-7.0%	84.8% -0.8% YoY	71.5% -0.9% YoY	67.4% -1.7% YoY	26%
AMR	$21,202 +2.7% YoY+2.4% QoQ	$-8K	$29,428 +2.4% YoY	$16,782 +2.9% YoY	$19,687 +2.0% YoY	Bottom 10.3% in tier
CD Concentration	31.6% -4.0% YoY-0.9% QoQ	+2.5%	29.0%	17.8%	19.8%	63%
Indirect Auto %	26.0% -16.6% YoY-4.7% QoQ	+7.7%	18.3%	5.9%	7.8%	70%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (4)

Credit Quality Pressure

risk

#83 of 211 • Bottom 39.0% in tier

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

Why This Signature

Delinquency Change (YoY): 0.18% points

(Tier: 0.06% points, National: 0.06% points)

worse than tier avg

211 of 378 Mid-Market CUs have this signature | 969 nationally

↓ Shrinking -59 CUs YoY | Rank improving

Stagnation Risk

risk

#34 of 85 • Bottom 39.3% 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): -1.89%

(Tier: 3.43%, National: 4.32%)

worse than tier avg

Loan Growth (YoY): 0.11%

(Tier: 6.38%, National: 111.96%)

worse than tier avg

Delinquency Rate: 1.08%

(Tier: 0.89%, National: 1.28%)

worse than tier avg

85 of 378 Mid-Market CUs have this signature | 652 nationally

→ No prior data (85 CUs now) | New qualifier

Indirect Auto Dependency

risk

#88 of 196 • Bottom 44.6% in tier

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

Why This Signature

Asset Growth (YoY): 4.95%

(Tier: 6.83%, National: 3.54%)

worse than tier avg

Indirect Auto %: 26.01%

(Tier: 18.31%, National: 7.78%)

worse than tier avg

Member Growth (YoY): -1.89%

(Tier: 3.43%, National: 4.32%)

worse than tier avg

196 of 378 Mid-Market CUs have this signature | 745 nationally

↓ Shrinking -11 CUs YoY

Membership Headwinds

decline

#49 of 85 • Bottom 57.1% in tier

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

Why This Signature

Member Growth (YoY): -1.89%

(Tier: 3.43%, National: 4.32%)

worse than tier avg

85 of 378 Mid-Market CUs have this signature | 652 nationally

→ No prior data (85 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 302 peers in tier

Top Strengths (3 metrics)

Efficiency Ratio

profitability

Value: 60.27%

Peer Median: -

#22 of 302 Top 7.0% in 1B-3B tier

Return on Assets (ROA)

profitability

Value: 1.37%

Peer Median: -

#23 of 302 Top 7.3% in 1B-3B tier

Total Members

engagement

Value: 140,708

Peer Median: -

#47 of 302 Top 15.2% in 1B-3B tier

Top Weaknesses (6 metrics)

271

Average Member Relationship (AMR)

engagement

Value: $21,202

Peer Median: -

#271 of 302 Bottom 10.6% in 1B-3B tier

267

Loan-to-Member Ratio (LMR)

engagement

Value: $9,273

Peer Median: -

#267 of 302 Bottom 11.9% in 1B-3B tier

256

Member Growth Rate

growth

Value: -1.89%

Peer Median: -

#256 of 302 Bottom 15.6% in 1B-3B tier

248

Deposit Growth Rate

growth

Value: 1.18%

Peer Median: -

#248 of 302 Bottom 18.2% in 1B-3B tier

248

Net Charge-Off Rate

risk

Value: 0.91%

Peer Median: -

#248 of 302 Bottom 18.2% in 1B-3B tier

238

Loan Growth Rate

growth

Value: 0.11%

Peer Median: -

#238 of 302 Bottom 21.5% in 1B-3B tier