BlastPoint's Credit Union Scorecard
ETMA
Charter #11152 · TN
ETMA shows strong momentum with 6 strengths and 5.5% YoY member growth
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.59% above tier average
- + Strong member growth: 5.5% YoY
- + Loan-to-Member Ratio (LMR): Top 3.7% in tier
- + Average Member Relationship (AMR): Top 4.7% in tier
- + Member Growth Rate: Top 6.1% in tier
- + Loan Growth Rate: Top 8.2% in tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,566
+5.5% YoY+1.4% QoQ
|
-1.1K |
2,676
+1.6% YoY
|
21,412
+3.7% YoY
|
33,913
+5.7% YoY
|
42% |
| Assets |
$30.4M
+7.0% YoY+2.2% QoQ
|
+$181K |
$30.2M
+1.3% YoY
|
$379.6M
+8.7% YoY
|
$578.3M
+9.0% YoY
|
60% |
| Loans |
$19.9M
+11.6% YoY+3.3% QoQ
|
+$4.6M |
$15.3M
-2.0% YoY
|
$279.0M
+7.7% YoY
|
$402.4M
+8.7% YoY
|
71% |
| Deposits |
$26.3M
+6.7% YoY+2.1% QoQ
|
+$475K |
$25.8M
+0.7% YoY
|
$319.1M
+8.0% YoY
|
$494.3M
+9.1% YoY
|
60% |
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| ROA |
1.7%
+9.9% YoY+44.3% QoQ
|
+1.6% |
0.1%
-77.6% YoY
|
0.6%
-5.0% YoY
|
0.4%
-39.2% YoY
|
Top 10.2% in tier |
| NIM |
3.9%
+1.8% YoY-1.3% QoQ
|
-0.1% |
4.0%
+4.0% YoY
|
3.9%
+5.1% YoY
|
3.8%
+4.1% YoY
|
52% |
| Efficiency Ratio |
60.4%
-6.9% YoY-17.3% QoQ
|
-30.2% |
90.6%
+6.5% YoY
|
79.6%
+1.7% YoY
|
84.6%
+2.8% YoY
|
Top 12.6% in tier |
| Delinquency Rate |
0.0%
-100.0% QoQ
|
-1.5 |
1.5%
+3.8% YoY
|
0.9%
-14.5% YoY
|
1.2%
+3.4% YoY
|
Top 13.3% in tier |
| Loan To Share |
75.7%
+4.6% YoY+1.2% QoQ
|
+17.2% |
58.5%
-3.0% YoY
|
68.3%
-1.5% YoY
|
65.6%
-1.4% YoY
|
76% |
| AMR |
$29,461
+3.1% YoY+1.2% QoQ
|
+$15K |
$14,884
-1.7% YoY
|
$18,957
+3.0% YoY
|
$19,920
+1.6% YoY
|
Top 4.7% in tier |
| CD Concentration |
17.2%
+2.0% YoY-10.5% QoQ
|
-7.1% | 24.3% | 22.3% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 6.8% | 7.7% | 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)