BlastPoint's Credit Union Scorecard
BULAB EMPLOYEES
Charter #20874 · TN
<100M
2508 CUs in <100M nationally
86 in TN
BULAB EMPLOYEES has 2 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.77% above tier average
- + Net Worth Ratio: Top 4.1% in tier
Key Concerns
Areas that may need attention
- - Efficiency ratio 11.27% above tier (higher cost structure)
- - Member decline: -10.3% YoY
- - Loan Growth Rate: Bottom 2.5% in tier
- - AMR Growth Rate: Bottom 5.5% in tier
- - Deposit Growth Rate: Bottom 5.6% in tier
- - Member Growth Rate: Bottom 5.7% in tier
- - Asset Growth Rate: Bottom 6.9% in tier
- - Total Members: Bottom 7.9% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
297
-10.3% YoY-1.7% QoQ
|
-2.4K |
2,676
+1.6% YoY
|
21,412
+3.7% YoY
|
33,913
+5.7% YoY
|
Bottom 7.7% in tier |
| Assets |
$2.3M
-8.5% YoY-5.7% QoQ
|
$-27.9M |
$30.2M
+1.3% YoY
|
$379.6M
+8.7% YoY
|
$578.3M
+9.0% YoY
|
Bottom 10.5% in tier |
| Loans |
$1.2M
-30.7% YoY-5.8% QoQ
|
$-14.1M |
$15.3M
-2.0% YoY
|
$279.0M
+7.7% YoY
|
$402.4M
+8.7% YoY
|
Bottom 12.9% in tier |
| Deposits |
$1.6M
-11.0% YoY-8.4% QoQ
|
$-24.2M |
$25.8M
+0.7% YoY
|
$319.1M
+8.0% YoY
|
$494.3M
+9.1% YoY
|
Bottom 9.6% in tier |
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| ROA |
0.2%
-290.3% YoY-117.8% QoQ
|
+0.0% |
0.1%
-77.6% YoY
|
0.6%
-5.0% YoY
|
0.4%
-39.2% YoY
|
28% |
| NIM |
4.8%
-11.2% YoY-8.5% QoQ
|
+0.8% |
4.0%
+4.0% YoY
|
3.9%
+5.1% YoY
|
3.8%
+4.1% YoY
|
85% |
| Efficiency Ratio |
101.9%
+0.4% YoY-7.2% QoQ
|
+11.3% |
90.6%
+6.5% YoY
|
79.6%
+1.7% YoY
|
84.6%
+2.8% YoY
|
Bottom 14.0% in tier |
| Delinquency Rate |
0.1%
-3.2% YoY
|
-1.4 |
1.5%
+3.8% YoY
|
0.9%
-14.5% YoY
|
1.2%
+3.4% YoY
|
21% |
| Loan To Share |
76.3%
-22.1% YoY+2.8% QoQ
|
+17.8% |
58.5%
-3.0% YoY
|
68.3%
-1.5% YoY
|
65.6%
-1.4% YoY
|
77% |
| AMR |
$9,230
-11.7% YoY-5.7% QoQ
|
$-6K |
$14,884
-1.7% YoY
|
$18,957
+3.0% YoY
|
$19,920
+1.6% YoY
|
24% |
| CD Concentration |
6.2%
+16.0% YoY+10.0% QoQ
|
-18.1% | 24.3% | 22.3% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 6.8% | 7.7% | 50% |
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 (7 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 0.00%
#1 of 2508
Top 0.1% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 3.66%
#1 of 2508
Top 0.1% in <100M tier
105
Net Worth Ratio
risk
Value:
33.08%
Peer Median: 14.28%
#105 of 2508
Top 4.1% in <100M tier
387
Net Interest Margin (NIM)
profitability
Value:
4.78%
Peer Median: 3.83%
#387 of 2508
Top 15.4% in <100M tier
510
Net Charge-Off Rate
risk
Value:
0.00%
Peer Median: 0.07%
#510 of 2508
Top 20.3% in <100M tier
521
Total Delinquency Rate (60+ days)
risk
Value:
0.08%
Peer Median: 0.65%
#521 of 2508
Top 20.7% in <100M tier
582
Loan-to-Share Ratio
balance_sheet
Value:
76.31%
Peer Median: 58.72%
#582 of 2508
Top 23.2% in <100M tier
Top Weaknesses (13 metrics)
2446
Loan Growth Rate
growth
Value:
-30.69%
Peer Median: -2.36%
#2446 of 2508
Bottom 2.5% in <100M tier
2370
AMR Growth Rate
growth
Value:
-11.66%
Peer Median: 1.27%
#2370 of 2508
Bottom 5.5% in <100M tier
2368
Deposit Growth Rate
growth
Value:
-10.98%
Peer Median: 0.66%
#2368 of 2508
Bottom 5.6% in <100M tier
2365
Member Growth Rate
growth
Value:
-10.27%
Peer Median: -1.37%
#2365 of 2508
Bottom 5.7% in <100M tier
2337
Asset Growth Rate
growth
Value:
-8.48%
Peer Median: 1.30%
#2337 of 2508
Bottom 6.9% in <100M tier
2312
Total Members
engagement
Value:
297
Peer Median: 1,918
#2312 of 2508
Bottom 7.9% in <100M tier
2270
Members Per Employee (MPE)
engagement
Value:
148.500
Peer Median: 333.750
#2270 of 2508
Bottom 9.5% in <100M tier
2266
Total Deposits
balance_sheet
Value:
$1.55M
Peer Median: $18.77M
#2266 of 2508
Bottom 9.7% in <100M tier
2245
Total Assets
balance_sheet
Value:
$2.33M
Peer Median: $21.86M
#2245 of 2508
Bottom 10.5% in <100M tier
2185
Total Loans
balance_sheet
Value:
$1.19M
Peer Median: $9.48M
#2185 of 2508
Bottom 12.9% in <100M tier