BlastPoint's Credit Union Scorecard
MIDDLE TENNESSEE
Charter #19700 · TN
MIDDLE TENNESSEE demonstrates 3 strengths
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.77% above tier average
- + Efficiency Ratio: Top 4.4% in tier
- + Fee Income Per Member: Top 9.5% in tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
5,516
-0.3% YoY-0.3% QoQ
|
+2.8K |
2,676
+1.6% YoY
|
21,412
+3.7% YoY
|
33,913
+5.7% YoY
|
Top 10.8% in tier |
| Assets |
$70.6M
+2.6% YoY+2.8% QoQ
|
+$40.4M |
$30.2M
+1.3% YoY
|
$379.6M
+8.7% YoY
|
$578.3M
+9.0% YoY
|
Top 12.0% in tier |
| Loans |
$36.3M
-5.2% YoY-1.7% QoQ
|
+$21.0M |
$15.3M
-2.0% YoY
|
$279.0M
+7.7% YoY
|
$402.4M
+8.7% YoY
|
Top 12.4% in tier |
| Deposits |
$58.9M
-0.5% YoY+2.8% QoQ
|
+$33.1M |
$25.8M
+0.7% YoY
|
$319.1M
+8.0% YoY
|
$494.3M
+9.1% YoY
|
Top 12.6% in tier |
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| ROA |
1.9%
+135.3% YoY-21.8% QoQ
|
+1.8% |
0.1%
-77.6% YoY
|
0.6%
-5.0% YoY
|
0.4%
-39.2% YoY
|
Top 7.7% in tier |
| NIM |
4.0%
-2.8% YoY-6.6% QoQ
|
+0.0% |
4.0%
+4.0% YoY
|
3.9%
+5.1% YoY
|
3.8%
+4.1% YoY
|
57% |
| Efficiency Ratio |
49.2%
+6.8% YoY+8.5% QoQ
|
-41.4% |
90.6%
+6.5% YoY
|
79.6%
+1.7% YoY
|
84.6%
+2.8% YoY
|
Top 4.4% in tier |
| Delinquency Rate |
0.5%
+26.7% YoY-55.5% QoQ
|
-1.0 |
1.5%
+3.8% YoY
|
0.9%
-14.5% YoY
|
1.2%
+3.4% YoY
|
44% |
| Loan To Share |
61.6%
-4.8% YoY-4.4% QoQ
|
+3.1% |
58.5%
-3.0% YoY
|
68.3%
-1.5% YoY
|
65.6%
-1.4% YoY
|
54% |
| AMR |
$17,244
-2.0% YoY+1.3% QoQ
|
+$2K |
$14,884
-1.7% YoY
|
$18,957
+3.0% YoY
|
$19,920
+1.6% YoY
|
66% |
| CD Concentration |
18.1%
+3.5% YoY-1.6% QoQ
|
-6.2% | 24.3% | 22.3% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 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)