BlastPoint's Credit Union Scorecard
ETMA
Charter #11152 · TN
ETMA demonstrates 7 strengths
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.23% above tier average
- + Net Interest Margin 0.01% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Loan Growth Rate: Top 2.5% in tier
- + Loan-to-Member Ratio (LMR): Top 3.4% in tier
- + Average Member Relationship (AMR): Top 4.3% in tier
- + Fee Income Per Member: Top 9.9% in tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,502
+1.7% YoY+0.7% QoQ
|
-1.1K |
2,625
-2.2% YoY
|
21,139
+4.9% YoY
|
33,089
+6.1% YoY
|
40% |
| Assets |
$29.0M
+2.7% YoY-0.9% QoQ
|
$-845K |
$29.9M
+1.1% YoY
|
$362.5M
+9.5% YoY
|
$547.7M
+7.8% YoY
|
59% |
| Loans |
$19.3M
+22.2% YoY+1.7% QoQ
|
+$3.5M |
$15.8M
-2.4% YoY
|
$271.1M
+9.1% YoY
|
$388.7M
+8.6% YoY
|
69% |
| Deposits |
$25.0M
+1.9% YoY-1.6% QoQ
|
$-497K |
$25.5M
+0.4% YoY
|
$303.0M
+8.7% YoY
|
$464.6M
+9.3% YoY
|
60% |
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| ROA |
1.9%
+3.9% YoY+12.9% QoQ
|
+1.2% |
0.7%
-731.4% YoY
|
0.8%
+4.1% YoY
|
0.7%
+273.4% YoY
|
Top 10.6% in tier |
| NIM |
3.9%
+7.8% YoY-0.4% QoQ
|
+0.0% |
3.9%
+3.8% YoY
|
3.8%
+5.1% YoY
|
3.7%
+5.0% YoY
|
52% |
| Efficiency Ratio |
59.1%
+1.8% YoY-6.3% QoQ
|
-22.3% |
81.4%
-2.4% YoY
|
75.4%
-1.8% YoY
|
79.1%
-3.3% YoY
|
Bottom 12.7% in tier |
| Delinquency Rate |
1.2%
+8234.8% YoY+1857.3% QoQ
|
-0.3 |
1.5%
-2.0% YoY
|
1.1%
+8.5% YoY
|
1.2%
-0.9% YoY
|
66% |
| Loan To Share |
77.3%
+20.0% YoY+3.4% QoQ
|
+16.0% |
61.2%
-3.0% YoY
|
70.4%
-2.4% YoY
|
68.0%
-1.7% YoY
|
73% |
| AMR |
$29,452
+8.0% YoY-0.8% QoQ
|
+$15K |
$14,627
-2.7% YoY
|
$18,470
+2.4% YoY
|
$19,418
+1.3% YoY
|
Top 4.4% in tier |
| CD Concentration |
18.6%
-5.9% YoY+12.1% QoQ
|
-5.8% |
24.4%
+4.2% YoY
|
22.3%
+6.6% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
6.9%
+1.1% YoY
|
7.9%
-2.9% YoY
|
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)