BlastPoint's Credit Union Scorecard
TENNESSEE MEMBERS 1ST
Charter #5318 · TN
TENNESSEE MEMBERS 1ST has 5 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Total Deposits: Top 0.4% in tier
- + Total Assets: Top 0.7% in tier
- + Average Member Relationship (AMR): Top 4.5% in tier
- + Total Loans: Top 7.2% in tier
- + Loan-to-Member Ratio (LMR): Top 7.5% in tier
Key Concerns
Areas that may need attention
- - ROA 0.59% below tier average
- - Efficiency ratio 10.23% above tier (higher cost structure)
- - Delinquency rate 0.21% above tier average
- - Member decline: -2.8% YoY
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
4,483
-2.8% YoY-1.1% QoQ
|
+1.9K |
2,615
-1.9% YoY
|
21,265
+4.5% YoY
|
33,374
+5.7% YoY
|
82% |
| Assets |
$97.9M
+2.0% YoY-0.2% QoQ
|
+$67.7M |
$30.1M
+2.1% YoY
|
$372.5M
+10.3% YoY
|
$561.6M
+9.7% YoY
|
Top 0.8% in tier |
| Loans |
$45.9M
+4.2% YoY-0.1% QoQ
|
+$30.1M |
$15.8M
-1.3% YoY
|
$275.7M
+8.6% YoY
|
$397.0M
+8.8% YoY
|
Top 7.2% in tier |
| Deposits |
$87.5M
-1.7% YoY+0.4% QoQ
|
+$61.8M |
$25.7M
+1.4% YoY
|
$312.1M
+9.5% YoY
|
$477.3M
+9.7% YoY
|
Top 0.5% in tier |
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| ROA |
0.0%
+502.8% YoY-72.1% QoQ
|
-0.6% |
0.6%
+10.8% YoY
|
0.7%
-5.8% YoY
|
0.7%
+15.9% YoY
|
18% |
| NIM |
3.1%
+12.8% YoY-0.6% QoQ
|
-0.8% |
4.0%
+4.0% YoY
|
3.8%
+3.7% YoY
|
3.8%
+5.1% YoY
|
22% |
| Efficiency Ratio |
92.8%
-2.3% YoY+1.0% QoQ
|
+10.2% |
82.6%
-2.3% YoY
|
79.4%
+2.9% YoY
|
79.7%
-3.3% YoY
|
80% |
| Delinquency Rate |
1.8%
+176.3% YoY+9.3% QoQ
|
+0.2 |
1.6%
-3.1% YoY
|
1.1%
-12.6% YoY
|
1.3%
-2.1% YoY
|
75% |
| Loan To Share |
52.4%
+6.0% YoY-0.6% QoQ
|
-8.2% |
60.6%
-3.1% YoY
|
70.0%
-2.2% YoY
|
67.4%
-1.7% YoY
|
37% |
| AMR |
$29,756
+3.1% YoY+1.4% QoQ
|
+$15K |
$14,783
-1.4% YoY
|
$18,770
+3.9% YoY
|
$19,687
+2.0% YoY
|
Top 4.5% in tier |
| CD Concentration |
20.5%
-12.6% YoY-17.0% QoQ
|
-4.0% | 24.4% | 22.4% | 19.8% | 50% |
| Indirect Auto % |
0.3%
-99.0% YoY-99.0% QoQ
|
-13.5% | 13.8% | 6.7% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)