BlastPoint's Credit Union Scorecard
COPPER BASIN
Charter #16773 · TN
COPPER BASIN demonstrates 9 strengths
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.20% above tier average
- + Net Interest Margin 1.27% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Fee Income Per Member: Top 1.4% in tier
- + Deposit Growth Rate: Top 2.7% in tier
- + Asset Growth Rate: Top 2.8% in tier
- + Total Loans: Top 4.1% in tier
- + Member Growth Rate: Top 7.1% in tier
- + Total Members: Top 8.5% in tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
6,123
+4.4% YoY+1.2% QoQ
|
+3.5K |
2,615
-1.9% YoY
|
21,265
+4.5% YoY
|
33,374
+5.7% YoY
|
Top 8.6% in tier |
| Assets |
$69.4M
+16.1% YoY+3.7% QoQ
|
+$39.3M |
$30.1M
+2.1% YoY
|
$372.5M
+10.3% YoY
|
$561.6M
+9.7% YoY
|
Top 12.8% in tier |
| Loans |
$52.9M
+10.2% YoY+1.0% QoQ
|
+$37.2M |
$15.8M
-1.3% YoY
|
$275.7M
+8.6% YoY
|
$397.0M
+8.8% YoY
|
Top 4.1% in tier |
| Deposits |
$60.2M
+17.2% YoY+4.0% QoQ
|
+$34.5M |
$25.7M
+1.4% YoY
|
$312.1M
+9.5% YoY
|
$477.3M
+9.7% YoY
|
Top 12.3% in tier |
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| ROA |
1.8%
-3.1% YoY+0.6% QoQ
|
+1.2% |
0.6%
+10.8% YoY
|
0.7%
-5.8% YoY
|
0.7%
+15.9% YoY
|
Top 9.5% in tier |
| NIM |
5.2%
+0.2% YoY-2.5% QoQ
|
+1.3% |
4.0%
+4.0% YoY
|
3.8%
+3.7% YoY
|
3.8%
+5.1% YoY
|
Top 10.1% in tier |
| Efficiency Ratio |
71.9%
-0.8% YoY-1.0% QoQ
|
-10.6% |
82.6%
-2.3% YoY
|
79.4%
+2.9% YoY
|
79.7%
-3.3% YoY
|
31% |
| Delinquency Rate |
1.0%
-10.0% YoY+6.6% QoQ
|
-0.6 |
1.6%
-3.1% YoY
|
1.1%
-12.6% YoY
|
1.3%
-2.1% YoY
|
59% |
| Loan To Share |
88.0%
-5.9% YoY-2.8% QoQ
|
+27.4% |
60.6%
-3.1% YoY
|
70.0%
-2.2% YoY
|
67.4%
-1.7% YoY
|
Top 12.2% in tier |
| AMR |
$18,471
+9.0% YoY+1.4% QoQ
|
+$4K |
$14,783
-1.4% YoY
|
$18,770
+3.9% YoY
|
$19,687
+2.0% YoY
|
72% |
| CD Concentration |
27.0%
+50.1% YoY+0.6% QoQ
|
+2.6% | 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)