BlastPoint's Credit Union Scorecard
KELLOGG MEMPHIS EMPLOYEES
Charter #13634 · TN
2556 CUs in <100M nationally
87 in TN
KELLOGG MEMPHIS EMPLOYEES has 5 strengths but faces 9 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 2.05% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Loan-to-Share Ratio: Top 2.4% in tier
- + Net Worth Ratio: Top 5.6% in tier
Key Concerns
Areas that may need attention
- - ROA 3.70% below tier average
- - Efficiency ratio 45.19% above tier (higher cost structure)
- - Delinquency rate 2.08% above tier average
- - Asset Growth Rate: Bottom 1.3% in tier
- - Deposit Growth Rate: Bottom 1.4% in tier
- - AMR Growth Rate: Bottom 1.8% in tier
- - Net Charge-Off Rate: Bottom 2.2% in tier
- - Loan Growth Rate: Bottom 7.0% in tier
- - Total Delinquency Rate (60+ days): Bottom 9.9% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
526
0% YoY0% QoQ
|
-2.1K |
2,615
-1.9% YoY
|
21,265
+4.5% YoY
|
33,374
+5.7% YoY
|
Bottom 14.3% in tier |
| Assets |
$3.1M
-19.2% YoY-15.3% QoQ
|
$-27.1M |
$30.1M
+2.1% YoY
|
$372.5M
+10.3% YoY
|
$561.6M
+9.7% YoY
|
Bottom 13.3% in tier |
| Loans |
$2.2M
-18.2% YoY-7.6% QoQ
|
$-13.5M |
$15.8M
-1.3% YoY
|
$275.7M
+8.6% YoY
|
$397.0M
+8.8% YoY
|
19% |
| Deposits |
$2.1M
-21.8% YoY-20.1% QoQ
|
$-23.6M |
$25.7M
+1.4% YoY
|
$312.1M
+9.5% YoY
|
$477.3M
+9.7% YoY
|
Bottom 11.9% in tier |
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| ROA |
-3.1%
+120.4% YoY+11.4% QoQ
|
-3.7% |
0.6%
+10.8% YoY
|
0.7%
-5.8% YoY
|
0.7%
+15.9% YoY
|
Bottom 1.9% in tier |
| NIM |
6.0%
-1.6% YoY+8.6% QoQ
|
+2.0% |
4.0%
+4.0% YoY
|
3.8%
+3.7% YoY
|
3.8%
+5.1% YoY
|
Top 3.9% in tier |
| Efficiency Ratio |
127.7%
+21.6% YoY+4.7% QoQ
|
+45.2% |
82.6%
-2.3% YoY
|
79.4%
+2.9% YoY
|
79.7%
-3.3% YoY
|
Top 3.1% in tier |
| Delinquency Rate |
3.6%
-41.0% YoY+25.7% QoQ
|
+2.1 |
1.6%
-3.1% YoY
|
1.1%
-12.6% YoY
|
1.3%
-2.1% YoY
|
Top 9.9% in tier |
| Loan To Share |
105.3%
+4.6% YoY+15.6% QoQ
|
+44.7% |
60.6%
-3.1% YoY
|
70.0%
-2.2% YoY
|
67.4%
-1.7% YoY
|
Top 2.5% in tier |
| AMR |
$8,257
-20.0% YoY-14.1% QoQ
|
$-7K |
$14,783
-1.4% YoY
|
$18,770
+3.9% YoY
|
$19,687
+2.0% YoY
|
20% |
| CD Concentration |
5.4%
-72.6% YoY-73.7% QoQ
|
-19.0% | 24.4% | 22.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 6.7% | 7.8% | 50% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
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)
Top Strengths (5 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
62
Loan-to-Share Ratio
balance_sheet
Value:
105.32%
Peer Median: -
#62 of 2556
Top 2.4% in <100M tier
100
Net Interest Margin (NIM)
profitability
Value:
6.00%
Peer Median: -
#100 of 2556
Top 3.9% in <100M tier
145
Net Worth Ratio
risk
Value:
30.57%
Peer Median: -
#145 of 2556
Top 5.6% in <100M tier
Top Weaknesses (14 metrics)
2523
Asset Growth Rate
growth
Value:
-19.19%
Peer Median: -
#2523 of 2556
Bottom 1.3% in <100M tier
2521
Deposit Growth Rate
growth
Value:
-21.79%
Peer Median: -
#2521 of 2556
Bottom 1.4% in <100M tier
2511
AMR Growth Rate
growth
Value:
-19.99%
Peer Median: -
#2511 of 2556
Bottom 1.8% in <100M tier
2508
Return on Assets (ROA)
profitability
Value:
-3.08%
Peer Median: -
#2508 of 2556
Bottom 1.9% in <100M tier
2501
Net Charge-Off Rate
risk
Value:
4.35%
Peer Median: -
#2501 of 2556
Bottom 2.2% in <100M tier
2477
Efficiency Ratio
profitability
Value:
127.75%
Peer Median: -
#2477 of 2556
Bottom 3.1% in <100M tier
2379
Loan Growth Rate
growth
Value:
-18.21%
Peer Median: -
#2379 of 2556
Bottom 7.0% in <100M tier
2304
Total Delinquency Rate (60+ days)
risk
Value:
3.64%
Peer Median: -
#2304 of 2556
Bottom 9.9% in <100M tier
2253
Total Deposits
balance_sheet
Value:
$2.12M
Peer Median: -
#2253 of 2556
Bottom 11.9% in <100M tier
2216
Total Assets
balance_sheet
Value:
$3.09M
Peer Median: -
#2216 of 2556
Bottom 13.3% in <100M tier