COPPER BASIN
Charter #16773 | TN
<100M
(2596 CUs)
Micro
($0-$500M)
88 <100M in TN
COPPER BASIN demonstrates 11 strengths
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.13% above tier average
- + Net Interest Margin 1.42% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Fee Income Per Member: Top 1.3% in tier
- + Deposit Growth Rate: Top 3.2% in tier
- + Asset Growth Rate: Top 3.3% in tier
- + Total Loans: Top 4.4% in tier
- + Loan Growth Rate: Top 7.1% in tier
- + Member Growth Rate: Top 8.5% in tier
- + AMR Growth Rate: Top 9.0% in tier
- + Total Members: Top 9.1% in tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
6,050
+4.0% YoY+1.0% QoQ
|
+3.4K |
2,625
-2.2% YoY
|
21,139
+4.9% YoY
|
33,089
+6.1% YoY
|
Top 9.1% in tier |
| Assets |
$67.0M
+14.9% YoY+3.9% QoQ
|
+$37.1M |
$29.9M
+1.1% YoY
|
$362.5M
+9.5% YoY
|
$547.7M
+7.8% YoY
|
Top 13.4% in tier |
| Loans |
$52.4M
+13.3% YoY+0.4% QoQ
|
+$36.6M |
$15.8M
-2.4% YoY
|
$271.1M
+9.1% YoY
|
$388.7M
+8.6% YoY
|
Top 4.4% in tier |
| Deposits |
$57.9M
+16.3% YoY+4.0% QoQ
|
+$32.4M |
$25.5M
+0.4% YoY
|
$303.0M
+8.7% YoY
|
$464.6M
+9.3% YoY
|
Top 13.0% in tier |
| ROA |
1.8%
-11.7% YoY-14.1% QoQ
|
+1.1% |
0.7%
-731.4% YoY
|
0.8%
+4.1% YoY
|
0.7%
+273.4% YoY
|
Top 12.8% in tier |
| NIM |
5.4%
+3.4% YoY-1.0% QoQ
|
+1.4% |
3.9%
+3.8% YoY
|
3.8%
+5.1% YoY
|
3.7%
+5.0% YoY
|
Top 9.1% in tier |
| Efficiency Ratio |
72.6%
+1.7% YoY-1.4% QoQ
|
-8.8% |
81.4%
-2.4% YoY
|
75.4%
-1.8% YoY
|
79.1%
-3.3% YoY
|
36th in tier |
| Delinquency Rate |
0.9%
-3.2% YoY-9.0% QoQ
|
-0.6 |
1.5%
-2.0% YoY
|
1.1%
+8.5% YoY
|
1.2%
-0.9% YoY
|
58th in tier |
| Loan To Share |
90.5%
-2.6% YoY-3.5% QoQ
|
+29.3% |
61.2%
-3.0% YoY
|
70.4%
-2.4% YoY
|
68.0%
-1.7% YoY
|
Top 10.5% in tier |
| AMR |
$18,225
+10.4% YoY+1.3% QoQ
|
+$4K |
$14,627
-2.7% YoY
|
$18,470
+2.4% YoY
|
$19,418
+1.3% YoY
|
72nd in tier |
| CD Concentration |
26.9%
+57.9% YoY+8.3% QoQ
|
+2.4% |
24.4%
+4.2% YoY
|
22.3%
+6.6% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
6.9%
+1.1% YoY
|
7.9%
-2.9% YoY
|
50th in tier |
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 (15 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
34
Fee Income Per Member
profitability
Value:
$377.75
Peer Avg: $182.96
#34 of 2596
Top 1.3% in <100M tier
85
Deposit Growth Rate
growth
Value:
16.27%
Peer Avg: 16.80%
#85 of 2596
Top 3.2% in <100M tier
87
Asset Growth Rate
growth
Value:
14.91%
Peer Avg: 1.82%
#87 of 2596
Top 3.3% in <100M tier
115
Total Loans
balance_sheet
Value:
$52.40M
Peer Avg: $15.77M
#115 of 2596
Top 4.4% in <100M tier
185
Loan Growth Rate
growth
Value:
13.30%
Peer Avg: 59.01%
#185 of 2596
Top 7.1% in <100M tier
222
Member Growth Rate
growth
Value:
4.01%
Peer Avg: 14.92%
#222 of 2596
Top 8.5% in <100M tier
234
AMR Growth Rate
growth
Value:
10.41%
Peer Avg: 4.67%
#234 of 2596
Top 9.0% in <100M tier
235
Net Interest Margin (NIM)
profitability
Value:
5.36%
Peer Avg: 3.93%
#235 of 2596
Top 9.0% in <100M tier
237
Total Members
engagement
Value:
6,050
Peer Avg: 2,626
#237 of 2596
Top 9.1% in <100M tier
Top Weaknesses (3 metrics)
2043
Share Certificate Concentration (%)
balance_sheet
Value:
26.85%
Peer Avg: 15.37%
#2043 of 2596
Bottom 21.3% in <100M tier
1980
Net Worth Ratio
risk
Value:
10.82%
Peer Avg: 16.43%
#1980 of 2596
Bottom 23.8% in <100M tier
1964
First Mortgage Concentration (%)
balance_sheet
Value:
26.22%
Peer Avg: 14.49%
#1964 of 2596
Bottom 24.4% in <100M tier