BlastPoint's Credit Union Scorecard
COPPER BASIN
Charter #16773 · TN
COPPER BASIN has 8 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.87% above tier average
- + Net Interest Margin 1.51% above tier average
- + Strong member growth: 5.2% YoY
- + Fee Income Per Member: Top 2.0% in tier
- + Net Charge-Off Rate: Top 2.5% in tier
- + Total Loans: Top 2.7% in tier
- + Loan-to-Share Ratio: Top 4.5% in tier
- + Member Growth Rate: Top 6.6% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 0.10% above tier average
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 84 that size in Tennessee.
- Shares and deposits +5.8% year over year ($58.9M in shares and deposits).
- Membership: 6,302 members, +5.2% vs a year ago.
- Delinquency rate 1.65%.
- Return on assets 2.36%.
- Efficiency ratio 68.99% vs a 88.77% peer average.
- Loan-to-share ratio 96.81% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
6,302
+5.2% YoY+2.0% QoQ
|
+3.7K |
2,585
-1.7% YoY
|
22,058
+4.8% YoY
|
34,678
+6.6% YoY
|
Top 7.4% in tier |
| Assets |
$68.8M
+6.8% YoY-0.9% QoQ
|
+$38.5M |
$30.3M
+1.5% YoY
|
$390.3M
+9.5% YoY
|
$593.1M
+10.2% YoY
|
Top 13.2% in tier |
| Loans |
$57.0M
+9.2% YoY+5.9% QoQ
|
+$41.5M |
$15.5M
-1.7% YoY
|
$289.3M
+8.5% YoY
|
$418.6M
+10.1% YoY
|
Top 2.8% in tier |
| Deposits |
$58.9M
+5.8% YoY-1.6% QoQ
|
+$33.1M |
$25.8M
+1.1% YoY
|
$326.4M
+8.9% YoY
|
$504.8M
+10.3% YoY
|
Top 12.9% in tier |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
2.4%
+12.0% YoY-4.9% QoQ
|
+0.9% |
1.5%
+241.5% YoY
|
1.1%
+46.9% YoY
|
1.2%
+121.4% YoY
|
Top 6.2% in tier |
| NIM |
5.4%
-0.1% YoY+3.1% QoQ
|
+1.5% |
3.9%
+0.9% YoY
|
3.9%
+2.1% YoY
|
3.8%
+2.3% YoY
|
Top 6.8% in tier |
| Efficiency Ratio |
69.0%
-6.4% YoY+1.7% QoQ
|
-19.8% |
88.8%
-6.9% YoY
|
78.9%
+2.6% YoY
|
83.0%
-5.3% YoY
|
24% |
| Delinquency Rate |
1.6%
+66.8% YoY+1153.4% QoQ
|
+0.1 |
1.5%
+2.1% YoY
|
1.1%
-1.7% YoY
|
1.3%
+2.6% YoY
|
74% |
| Loan To Share |
96.8%
+3.2% YoY+7.6% QoQ
|
+37.9% |
58.9%
-3.1% YoY
|
68.7%
-1.7% YoY
|
66.4%
-1.4% YoY
|
Top 4.6% in tier |
| AMR |
$18,381
+2.1% YoY+0.0% QoQ
|
+$3K |
$14,963
-6.8% YoY
|
$19,228
+3.5% YoY
|
$20,028
-0.9% YoY
|
71% |
| CD Concentration |
24.3%
-1.9% YoY-8.6% QoQ
|
-0.2% | 24.6% | 22.4% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 6.8% | 7.7% | 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)