BlastPoint's Credit Union Scorecard
BULAB EMPLOYEES
Charter #20874 · TN
BULAB EMPLOYEES has 3 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 1.02% above tier average
- + Net Worth Ratio: Top 3.7% in tier
- + Net Charge-Off Rate: Top 4.3% in tier
Key Concerns
Areas that may need attention
- - ROA 0.93% below tier average
- - Efficiency ratio 8.10% above tier (higher cost structure)
- - Delinquency rate 0.13% above tier average
- - Member decline: -9.1% YoY
- - Loan Growth Rate: Bottom 2.4% in tier
- - Deposit Growth Rate: Bottom 3.2% in tier
- - AMR Growth Rate: Bottom 3.6% in tier
- - Asset Growth Rate: Bottom 4.1% in tier
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 -15.4% year over year ($1.4M in shares and deposits).
- Membership: 289 members, -9.1% vs a year ago.
- Delinquency rate 1.68%.
- Return on assets 0.56%.
- Efficiency ratio 96.86% vs a 88.77% peer average.
- Loan-to-share ratio 73.12% 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 |
289
-9.1% YoY-2.7% QoQ
|
-2.3K |
2,585
-1.7% YoY
|
22,058
+4.8% YoY
|
34,678
+6.6% YoY
|
Bottom 7.5% in tier |
| Assets |
$2.2M
-11.2% YoY-4.8% QoQ
|
$-28.1M |
$30.3M
+1.5% YoY
|
$390.3M
+9.5% YoY
|
$593.1M
+10.2% YoY
|
Bottom 10.1% in tier |
| Loans |
$1.0M
-31.8% YoY-11.6% QoQ
|
$-14.4M |
$15.5M
-1.7% YoY
|
$289.3M
+8.5% YoY
|
$418.6M
+10.1% YoY
|
Bottom 11.8% in tier |
| Deposits |
$1.4M
-15.4% YoY-7.8% QoQ
|
$-24.4M |
$25.8M
+1.1% YoY
|
$326.4M
+8.9% YoY
|
$504.8M
+10.3% YoY
|
Bottom 8.6% in tier |
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| ROA |
0.6%
+251.7% QoQ
|
-0.9% |
1.5%
+241.5% YoY
|
1.1%
+46.9% YoY
|
1.2%
+121.4% YoY
|
35% |
| NIM |
4.9%
-6.9% YoY+2.8% QoQ
|
+1.0% |
3.9%
+0.9% YoY
|
3.9%
+2.1% YoY
|
3.8%
+2.3% YoY
|
Top 13.1% in tier |
| Efficiency Ratio |
96.9%
-8.4% YoY-4.9% QoQ
|
+8.1% |
88.8%
-6.9% YoY
|
78.9%
+2.6% YoY
|
83.0%
-5.3% YoY
|
83% |
| Delinquency Rate |
1.7%
+2640.9% YoY+1938.5% QoQ
|
+0.1 |
1.5%
+2.1% YoY
|
1.1%
-1.7% YoY
|
1.3%
+2.6% YoY
|
74% |
| Loan To Share |
73.1%
-19.5% YoY-4.2% QoQ
|
+14.2% |
58.9%
-3.1% YoY
|
68.7%
-1.7% YoY
|
66.4%
-1.4% YoY
|
72% |
| AMR |
$8,590
-15.5% YoY-6.9% QoQ
|
$-6K |
$14,963
-6.8% YoY
|
$19,228
+3.5% YoY
|
$20,028
-0.9% YoY
|
21% |
| CD Concentration |
6.8%
+21.8% YoY+9.2% QoQ
|
-17.8% | 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)