BlastPoint's Credit Union Scorecard
KELLOGG MEMPHIS EMPLOYEES
Charter #13634 · TN
<100M
2508 CUs in <100M nationally
86 in TN
KELLOGG MEMPHIS EMPLOYEES has 4 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 1.72% above tier average
- + Loan-to-Share Ratio: Top 3.6% in tier
- + Net Charge-Off Rate: Top 5.3% in tier
- + Net Worth Ratio: Top 5.9% in tier
Key Concerns
Areas that may need attention
- - ROA 3.71% below tier average
- - Efficiency ratio 60.79% above tier (higher cost structure)
- - Delinquency rate 0.76% above tier average
- - Asset Growth Rate: Bottom 0.9% in tier
- - Deposit Growth Rate: Bottom 1.0% in tier
- - AMR Growth Rate: Bottom 1.5% in tier
- - Loan Growth Rate: Bottom 6.4% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
530
+0.4% YoY+0.8% QoQ
|
-2.1K |
2,676
+1.6% YoY
|
21,412
+3.7% YoY
|
33,913
+5.7% YoY
|
Bottom 14.5% in tier |
| Assets |
$3.1M
-20.9% YoY+0.0% QoQ
|
$-27.1M |
$30.2M
+1.3% YoY
|
$379.6M
+8.7% YoY
|
$578.3M
+9.0% YoY
|
Bottom 13.0% in tier |
| Loans |
$2.1M
-19.9% YoY-5.6% QoQ
|
$-13.2M |
$15.3M
-2.0% YoY
|
$279.0M
+7.7% YoY
|
$402.4M
+8.7% YoY
|
19% |
| Deposits |
$2.1M
-23.3% YoY+1.4% QoQ
|
$-23.6M |
$25.8M
+0.7% YoY
|
$319.1M
+8.0% YoY
|
$494.3M
+9.1% YoY
|
Bottom 11.9% in tier |
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| ROA |
-3.6%
+158.0% YoY+15.7% QoQ
|
-3.7% |
0.1%
-77.6% YoY
|
0.6%
-5.0% YoY
|
0.4%
-39.2% YoY
|
Bottom 2.8% in tier |
| NIM |
5.7%
+7.0% YoY-4.6% QoQ
|
+1.7% |
4.0%
+4.0% YoY
|
3.9%
+5.1% YoY
|
3.8%
+4.1% YoY
|
Top 4.9% in tier |
| Efficiency Ratio |
151.4%
+26.5% YoY+18.5% QoQ
|
+60.8% |
90.6%
+6.5% YoY
|
79.6%
+1.7% YoY
|
84.6%
+2.8% YoY
|
Bottom 2.9% in tier |
| Delinquency Rate |
2.3%
-55.8% YoY-37.7% QoQ
|
+0.8 |
1.5%
+3.8% YoY
|
0.9%
-14.5% YoY
|
1.2%
+3.4% YoY
|
84% |
| Loan To Share |
98.0%
+4.5% YoY-6.9% QoQ
|
+39.5% |
58.5%
-3.0% YoY
|
68.3%
-1.5% YoY
|
65.6%
-1.4% YoY
|
Top 3.7% in tier |
| AMR |
$8,015
-21.9% YoY-2.9% QoQ
|
$-7K |
$14,884
-1.7% YoY
|
$18,957
+3.0% YoY
|
$19,920
+1.6% YoY
|
19% |
| CD Concentration |
5.4%
-71.7% YoY-0.3% QoQ
|
-18.8% | 24.3% | 22.3% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 6.8% | 7.7% | 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 (6 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 0.00%
#1 of 2508
Top 0.1% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 3.66%
#1 of 2508
Top 0.1% in <100M tier
92
Loan-to-Share Ratio
balance_sheet
Value:
98.02%
Peer Median: 58.72%
#92 of 2508
Top 3.6% in <100M tier
122
Net Interest Margin (NIM)
profitability
Value:
5.73%
Peer Median: 3.83%
#122 of 2508
Top 4.8% in <100M tier
134
Net Charge-Off Rate
risk
Value:
-0.25%
Peer Median: 0.07%
#134 of 2508
Top 5.3% in <100M tier
150
Net Worth Ratio
risk
Value:
29.67%
Peer Median: 14.28%
#150 of 2508
Top 5.9% in <100M tier
Top Weaknesses (12 metrics)
2486
Asset Growth Rate
growth
Value:
-20.85%
Peer Median: 1.30%
#2486 of 2508
Bottom 0.9% in <100M tier
2483
Deposit Growth Rate
growth
Value:
-23.31%
Peer Median: 0.66%
#2483 of 2508
Bottom 1.0% in <100M tier
2472
AMR Growth Rate
growth
Value:
-21.93%
Peer Median: 1.27%
#2472 of 2508
Bottom 1.5% in <100M tier
2438
Return on Assets (ROA)
profitability
Value:
-3.56%
Peer Median: 0.61%
#2438 of 2508
Bottom 2.8% in <100M tier
2436
Efficiency Ratio
profitability
Value:
151.42%
Peer Median: 81.45%
#2436 of 2508
Bottom 2.9% in <100M tier
2349
Loan Growth Rate
growth
Value:
-19.85%
Peer Median: -2.36%
#2349 of 2508
Bottom 6.4% in <100M tier
2210
Total Deposits
balance_sheet
Value:
$2.15M
Peer Median: $18.77M
#2210 of 2508
Bottom 11.9% in <100M tier
2181
Total Assets
balance_sheet
Value:
$3.09M
Peer Median: $21.86M
#2181 of 2508
Bottom 13.1% in <100M tier
2142
Total Members
engagement
Value:
530
Peer Median: 1,918
#2142 of 2508
Bottom 14.6% in <100M tier
2096
Total Delinquency Rate (60+ days)
risk
Value:
2.27%
Peer Median: 0.65%
#2096 of 2508
Bottom 16.5% in <100M tier