BlastPoint's Credit Union Scorecard
FEDTRUST
Charter #13233 · TN
FEDTRUST has 6 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Loan-to-Member Ratio (LMR): Top 2.2% in tier
- + Average Member Relationship (AMR): Top 3.2% in tier
- + Deposit Growth Rate: Top 8.1% in tier
- + AMR Growth Rate: Top 8.5% in tier
- + Asset Growth Rate: Top 8.7% in tier
- + Total Loans: Top 8.7% in tier
Key Concerns
Areas that may need attention
- - ROA 0.49% below tier average
- - Efficiency ratio 5.41% above tier (higher cost structure)
- - Member decline: -4.6% YoY
- - Net Worth Ratio: Bottom 1.6% in tier
- - First Mortgage Concentration (%): Bottom 8.5% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,893
-4.6% YoY-0.8% QoQ
|
+277 |
2,615
-1.9% YoY
|
21,265
+4.5% YoY
|
33,374
+5.7% YoY
|
66% |
| Assets |
$54.8M
+10.0% YoY+1.9% QoQ
|
+$24.6M |
$30.1M
+2.1% YoY
|
$372.5M
+10.3% YoY
|
$561.6M
+9.7% YoY
|
80% |
| Loans |
$42.4M
+0.1% YoY+0.5% QoQ
|
+$26.6M |
$15.8M
-1.3% YoY
|
$275.7M
+8.6% YoY
|
$397.0M
+8.8% YoY
|
Top 8.8% in tier |
| Deposits |
$50.8M
+11.0% YoY+2.3% QoQ
|
+$25.1M |
$25.7M
+1.4% YoY
|
$312.1M
+9.5% YoY
|
$477.3M
+9.7% YoY
|
82% |
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| ROA |
0.1%
-75.7% YoY-55.1% QoQ
|
-0.5% |
0.6%
+10.8% YoY
|
0.7%
-5.8% YoY
|
0.7%
+15.9% YoY
|
22% |
| NIM |
3.7%
+5.0% YoY+0.6% QoQ
|
-0.3% |
4.0%
+4.0% YoY
|
3.8%
+3.7% YoY
|
3.8%
+5.1% YoY
|
42% |
| Efficiency Ratio |
88.0%
+5.1% YoY+1.6% QoQ
|
+5.4% |
82.6%
-2.3% YoY
|
79.4%
+2.9% YoY
|
79.7%
-3.3% YoY
|
70% |
| Delinquency Rate |
0.8%
-0.7% YoY+43.3% QoQ
|
-0.7 |
1.6%
-3.1% YoY
|
1.1%
-12.6% YoY
|
1.3%
-2.1% YoY
|
54% |
| Loan To Share |
83.4%
-9.9% YoY-1.8% QoQ
|
+22.8% |
60.6%
-3.1% YoY
|
70.0%
-2.2% YoY
|
67.4%
-1.7% YoY
|
83% |
| AMR |
$32,207
+10.8% YoY+2.3% QoQ
|
+$17K |
$14,783
-1.4% YoY
|
$18,770
+3.9% YoY
|
$19,687
+2.0% YoY
|
Top 3.2% in tier |
| CD Concentration |
32.3%
-1.8% YoY+1.0% QoQ
|
+7.9% | 24.4% | 22.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 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)