BlastPoint's Credit Union Scorecard
BULAB EMPLOYEES
Charter #20874 · TN
BULAB EMPLOYEES has 4 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 1.27% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Net Worth Ratio: Top 5.2% in tier
Key Concerns
Areas that may need attention
- - ROA 1.52% below tier average
- - Efficiency ratio 27.24% above tier (higher cost structure)
- - Member decline: -9.9% YoY
- - Loan Growth Rate: Bottom 2.9% in tier
- - Member Growth Rate: Bottom 5.5% in tier
- - Members Per Employee (MPE): Bottom 6.1% in tier
- - Total Members: Bottom 7.9% in tier
- - AMR Growth Rate: Bottom 9.4% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
302
-9.9% YoY-3.8% QoQ
|
-2.3K |
2,615
-1.9% YoY
|
21,265
+4.5% YoY
|
33,374
+5.7% YoY
|
Bottom 7.9% in tier |
| Assets |
$2.5M
-5.8% YoY+1.2% QoQ
|
$-27.7M |
$30.1M
+2.1% YoY
|
$372.5M
+10.3% YoY
|
$561.6M
+9.7% YoY
|
Bottom 10.9% in tier |
| Loans |
$1.3M
-27.3% YoY-9.6% QoQ
|
$-14.5M |
$15.8M
-1.3% YoY
|
$275.7M
+8.6% YoY
|
$397.0M
+8.8% YoY
|
Bottom 13.1% in tier |
| Deposits |
$1.7M
-7.0% YoY+3.4% QoQ
|
$-24.0M |
$25.7M
+1.4% YoY
|
$312.1M
+9.5% YoY
|
$477.3M
+9.7% YoY
|
Bottom 10.4% in tier |
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| ROA |
-0.9%
-474.7% YoY+914.4% QoQ
|
-1.5% |
0.6%
+10.8% YoY
|
0.7%
-5.8% YoY
|
0.7%
+15.9% YoY
|
Bottom 6.3% in tier |
| NIM |
5.2%
+0.6% YoY-1.7% 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 |
109.8%
+14.8% YoY+3.4% QoQ
|
+27.2% |
82.6%
-2.3% YoY
|
79.4%
+2.9% YoY
|
79.7%
-3.3% YoY
|
Top 6.5% in tier |
| Delinquency Rate |
0.0%
-95.2% YoY-42.5% QoQ
|
-1.5 |
1.6%
-3.1% YoY
|
1.1%
-12.6% YoY
|
1.3%
-2.1% YoY
|
15% |
| Loan To Share |
74.2%
-21.8% YoY-12.6% QoQ
|
+13.6% |
60.6%
-3.1% YoY
|
70.0%
-2.2% YoY
|
67.4%
-1.7% YoY
|
70% |
| AMR |
$9,791
-7.8% YoY+1.3% QoQ
|
$-5K |
$14,783
-1.4% YoY
|
$18,770
+3.9% YoY
|
$19,687
+2.0% YoY
|
27% |
| CD Concentration |
5.7%
+12.2% YoY-2.5% QoQ
|
-18.8% | 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)