BlastPoint's Credit Union Scorecard
SHELBY COUNTY
Charter #14733 · TN
SHELBY COUNTY has 6 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.40% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Total Members: Top 1.6% in tier
- + Total Assets: Top 4.3% in tier
- + Total Deposits: Top 5.4% in tier
Key Concerns
Areas that may need attention
- - ROA 0.51% below tier average
- - Efficiency ratio 6.58% above tier (higher cost structure)
- - Member decline: -4.0% YoY
- - Net Charge-Off Rate: Bottom 9.8% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
9,601
-4.0% YoY-0.4% QoQ
|
+7.0K |
2,615
-1.9% YoY
|
21,265
+4.5% YoY
|
33,374
+5.7% YoY
|
Top 1.6% in tier |
| Assets |
$89.1M
+1.0% YoY-1.9% QoQ
|
+$58.9M |
$30.1M
+2.1% YoY
|
$372.5M
+10.3% YoY
|
$561.6M
+9.7% YoY
|
Top 4.4% in tier |
| Loans |
$35.0M
-11.0% YoY-1.8% QoQ
|
+$19.2M |
$15.8M
-1.3% YoY
|
$275.7M
+8.6% YoY
|
$397.0M
+8.8% YoY
|
Top 14.0% in tier |
| Deposits |
$74.0M
+0.5% YoY-2.4% QoQ
|
+$48.3M |
$25.7M
+1.4% YoY
|
$312.1M
+9.5% YoY
|
$477.3M
+9.7% YoY
|
Top 5.5% in tier |
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| ROA |
0.1%
-91.7% YoY-67.9% QoQ
|
-0.5% |
0.6%
+10.8% YoY
|
0.7%
-5.8% YoY
|
0.7%
+15.9% YoY
|
21% |
| NIM |
4.4%
+0.7% YoY+2.3% QoQ
|
+0.4% |
4.0%
+4.0% YoY
|
3.8%
+3.7% YoY
|
3.8%
+5.1% YoY
|
69% |
| Efficiency Ratio |
89.1%
+26.8% YoY+5.5% QoQ
|
+6.6% |
82.6%
-2.3% YoY
|
79.4%
+2.9% YoY
|
79.7%
-3.3% YoY
|
73% |
| Delinquency Rate |
0.5%
-67.9% YoY-29.9% QoQ
|
-1.0 |
1.6%
-3.1% YoY
|
1.1%
-12.6% YoY
|
1.3%
-2.1% YoY
|
43% |
| Loan To Share |
47.3%
-11.4% YoY+0.7% QoQ
|
-13.3% |
60.6%
-3.1% YoY
|
70.0%
-2.2% YoY
|
67.4%
-1.7% YoY
|
30% |
| AMR |
$11,346
+0.6% YoY-1.8% QoQ
|
$-3K |
$14,783
-1.4% YoY
|
$18,770
+3.9% YoY
|
$19,687
+2.0% YoY
|
35% |
| CD Concentration |
6.9%
+5.5% YoY+0.4% QoQ
|
-17.5% | 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)