BlastPoint's Credit Union Scorecard
KELLOGG MEMPHIS EMPLOYEES
Charter #13634 · TN
KELLOGG MEMPHIS EMPLOYEES has 5 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 1.59% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Net Worth Ratio: Top 8.9% in tier
- + Loan-to-Share Ratio: Top 9.9% in tier
Key Concerns
Areas that may need attention
- - ROA 3.45% below tier average
- - Efficiency ratio 40.58% above tier (higher cost structure)
- - Delinquency rate 1.39% above tier average
- - Net Charge-Off Rate: Bottom 1.3% in tier
- - Asset Growth Rate: Bottom 5.2% in tier
- - AMR Growth Rate: Bottom 5.6% in tier
- - Deposit Growth Rate: Bottom 9.1% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
526
+0.6% YoY+0.2% QoQ
|
-2.1K |
2,625
-2.2% YoY
|
21,139
+4.9% YoY
|
33,089
+6.1% YoY
|
Bottom 14.6% in tier |
| Assets |
$3.6M
-10.1% YoY-5.3% QoQ
|
$-26.2M |
$29.9M
+1.1% YoY
|
$362.5M
+9.5% YoY
|
$547.7M
+7.8% YoY
|
15% |
| Loans |
$2.4M
-14.8% YoY-4.4% QoQ
|
$-13.4M |
$15.8M
-2.4% YoY
|
$271.1M
+9.1% YoY
|
$388.7M
+8.6% YoY
|
20% |
| Deposits |
$2.6M
-8.6% YoY-6.7% QoQ
|
$-22.8M |
$25.5M
+0.4% YoY
|
$303.0M
+8.7% YoY
|
$464.6M
+9.3% YoY
|
Bottom 14.2% in tier |
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| ROA |
-2.8%
+1020.1% YoY-14.4% QoQ
|
-3.4% |
0.7%
-731.4% YoY
|
0.8%
+4.1% YoY
|
0.7%
+273.4% YoY
|
Bottom 2.3% in tier |
| NIM |
5.5%
-7.4% YoY+3.2% QoQ
|
+1.6% |
3.9%
+3.8% YoY
|
3.8%
+5.1% YoY
|
3.7%
+5.0% YoY
|
Top 7.0% in tier |
| Efficiency Ratio |
122.0%
+22.8% YoY+0.0% QoQ
|
+40.6% |
81.4%
-2.4% YoY
|
75.4%
-1.8% YoY
|
79.1%
-3.3% YoY
|
Top 4.0% in tier |
| Delinquency Rate |
2.9%
-52.0% YoY+6.5% QoQ
|
+1.4 |
1.5%
-2.0% YoY
|
1.1%
+8.5% YoY
|
1.2%
-0.9% YoY
|
Top 12.4% in tier |
| Loan To Share |
91.1%
-6.7% YoY+2.5% QoQ
|
+29.9% |
61.2%
-3.0% YoY
|
70.4%
-2.4% YoY
|
68.0%
-1.7% YoY
|
Top 10.1% in tier |
| AMR |
$9,614
-12.2% YoY-5.8% QoQ
|
$-5K |
$14,627
-2.7% YoY
|
$18,470
+2.4% YoY
|
$19,418
+1.3% YoY
|
27% |
| CD Concentration |
20.7%
+11.5% YoY+8.0% QoQ
|
-3.7% |
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)