BlastPoint's Credit Union Scorecard
BULAB EMPLOYEES
Charter #20874 · TN
2596 CUs in <100M nationally
88 in TN
BULAB EMPLOYEES has 5 strengths but faces 10 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 1.39% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Net Worth Ratio: Top 4.6% in tier
- + Net Charge-Off Rate: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - ROA 0.77% below tier average
- - Efficiency ratio 24.81% above tier (higher cost structure)
- - Member decline: -7.4% YoY
- - Deposit Growth Rate: Bottom 3.7% in tier
- - Asset Growth Rate: Bottom 5.2% in tier
- - Loan Growth Rate: Bottom 5.4% in tier
- - Members Per Employee (MPE): Bottom 6.4% in tier
- - AMR Growth Rate: Bottom 7.0% in tier
- - Total Members: Bottom 8.6% in tier
- - Member Growth Rate: Bottom 9.6% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
314
-7.4% YoY-1.3% QoQ
|
-2.3K |
2,625
-2.2% YoY
|
21,139
+4.9% YoY
|
33,089
+6.1% YoY
|
Bottom 8.4% in tier |
| Assets |
$2.4M
-10.1% YoY-2.3% QoQ
|
$-27.4M |
$29.9M
+1.1% YoY
|
$362.5M
+9.5% YoY
|
$547.7M
+7.8% YoY
|
Bottom 11.3% in tier |
| Loans |
$1.4M
-20.7% YoY-9.4% QoQ
|
$-14.4M |
$15.8M
-2.4% YoY
|
$271.1M
+9.1% YoY
|
$388.7M
+8.6% YoY
|
Bottom 14.2% in tier |
| Deposits |
$1.6M
-14.0% YoY-3.1% QoQ
|
$-23.8M |
$25.5M
+0.4% YoY
|
$303.0M
+8.7% YoY
|
$464.6M
+9.3% YoY
|
Bottom 10.6% in tier |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
Tier 1
50+ financial metrics with peer benchmarks
Performance signatures (strengths & concerns)
AI-generated insights and rankings
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
-0.1%
-117.5% YoY+122.4% QoQ
|
-0.8% |
0.7%
-731.4% YoY
|
0.8%
+4.1% YoY
|
0.7%
+273.4% YoY
|
Bottom 14.0% in tier |
| NIM |
5.3%
+3.1% YoY+0.7% QoQ
|
+1.4% |
3.9%
+3.8% YoY
|
3.8%
+5.1% YoY
|
3.7%
+5.0% YoY
|
Top 9.4% in tier |
| Efficiency Ratio |
106.2%
+16.2% YoY+0.4% QoQ
|
+24.8% |
81.4%
-2.4% YoY
|
75.4%
-1.8% YoY
|
79.1%
-3.3% YoY
|
Top 7.7% in tier |
| Delinquency Rate |
0.1%
+10.3% QoQ
|
-1.4 |
1.5%
-2.0% YoY
|
1.1%
+8.5% YoY
|
1.2%
-0.9% YoY
|
18% |
| Loan To Share |
84.9%
-7.8% YoY-6.5% QoQ
|
+23.7% |
61.2%
-3.0% YoY
|
70.4%
-2.4% YoY
|
68.0%
-1.7% YoY
|
83% |
| AMR |
$9,667
-10.6% YoY-4.9% QoQ
|
$-5K |
$14,627
-2.7% YoY
|
$18,470
+2.4% YoY
|
$19,418
+1.3% YoY
|
27% |
| CD Concentration |
5.8%
+21.5% YoY+4.1% QoQ
|
-18.6% |
24.4%
+4.2% YoY
|
22.3%
+6.6% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
6.9%
+1.1% YoY
|
7.9%
-2.9% YoY
|
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 Avg: -
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
121
Net Worth Ratio
risk
Value:
32.38%
Peer Avg: -
#121 of 2596
Top 4.6% in <100M tier
245
Net Interest Margin (NIM)
profitability
Value:
5.32%
Peer Avg: -
#245 of 2596
Top 9.4% in <100M tier
246
Net Charge-Off Rate
risk
Value:
0.00%
Peer Avg: -
#246 of 2596
Top 9.4% in <100M tier
431
Loan-to-Share Ratio
balance_sheet
Value:
84.91%
Peer Avg: -
#431 of 2596
Top 16.6% in <100M tier
478
Total Delinquency Rate (60+ days)
risk
Value:
0.07%
Peer Avg: -
#478 of 2596
Top 18.4% in <100M tier
Top Weaknesses (13 metrics)
2501
Deposit Growth Rate
growth
Value:
-14.02%
Peer Avg: -
#2501 of 2596
Bottom 3.7% in <100M tier
2462
Asset Growth Rate
growth
Value:
-10.15%
Peer Avg: -
#2462 of 2596
Bottom 5.2% in <100M tier
2456
Loan Growth Rate
growth
Value:
-20.73%
Peer Avg: -
#2456 of 2596
Bottom 5.4% in <100M tier
2430
Members Per Employee (MPE)
engagement
Value:
104.667
Peer Avg: -
#2430 of 2596
Bottom 6.4% in <100M tier
2415
AMR Growth Rate
growth
Value:
-10.65%
Peer Avg: -
#2415 of 2596
Bottom 7.0% in <100M tier
2397
Efficiency Ratio
profitability
Value:
106.20%
Peer Avg: -
#2397 of 2596
Bottom 7.7% in <100M tier
2375
Total Members
engagement
Value:
314
Peer Avg: -
#2375 of 2596
Bottom 8.6% in <100M tier
2347
Member Growth Rate
growth
Value:
-7.37%
Peer Avg: -
#2347 of 2596
Bottom 9.6% in <100M tier
2321
Total Deposits
balance_sheet
Value:
$1.64M
Peer Avg: -
#2321 of 2596
Bottom 10.6% in <100M tier
2303
Total Assets
balance_sheet
Value:
$2.44M
Peer Avg: -
#2303 of 2596
Bottom 11.3% in <100M tier