BlastPoint's Credit Union Scorecard
FEDEX EMPLOYEES CREDIT ASSOCIATION
Charter #21751 · TN
FEDEX EMPLOYEES CREDIT ASSOCIATION has 5 strengths but faces 11 concerns
How does the industry compare?
What's your peer group doing?
How does TN stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 65.8% in tier
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Total Members: Top 0.0% in tier
- + Members Per Employee (MPE): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 3.0% in tier
Key Concerns
Areas that may need attention
- - Stagnation Risk: Bottom 17.2% in tier
- - Membership Headwinds: Bottom 22.8% in tier
- - ROA 0.19% below tier average
- - Delinquency rate 0.53% above tier average
- - Member decline: -5.2% YoY
- - Average Member Relationship (AMR): Bottom 0.6% in tier
- - Loan-to-Member Ratio (LMR): Bottom 0.6% in tier
- - Net Charge-Off Rate: Bottom 4.2% in tier
- - Loan-to-Share Ratio: Bottom 6.7% in tier
- - Member Growth Rate: Bottom 7.9% in tier
- - Total Loans: Bottom 9.1% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
95,264
-5.2% YoY-7.6% QoQ
|
+56.7K |
38,575
-4.8% YoY
|
21,265
+4.5% YoY
|
33,374
+5.7% YoY
|
Top 0.6% in tier |
| Assets |
$632.4M
+5.4% YoY+1.2% QoQ
|
+$10.7M |
$621.7M
+0.1% YoY
|
$372.5M
+10.3% YoY
|
$561.6M
+9.7% YoY
|
54% |
| Loans |
$298.0M
-0.2% YoY+0.0% QoQ
|
$-131.8M |
$429.8M
-1.8% YoY
|
$275.7M
+8.6% YoY
|
$397.0M
+8.8% YoY
|
Bottom 8.5% in tier |
| Deposits |
$530.8M
+2.0% YoY+1.1% QoQ
|
$-7.9M |
$538.7M
+0.6% YoY
|
$312.1M
+9.5% YoY
|
$477.3M
+9.7% YoY
|
47% |
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| ROA |
0.5%
+319.7% YoY-10.0% QoQ
|
-0.2% |
0.7%
+42.9% YoY
|
0.7%
-5.8% YoY
|
0.7%
+15.9% YoY
|
39% |
| NIM |
3.4%
+11.0% YoY+0.4% QoQ
|
-0.1% |
3.4%
+8.0% YoY
|
3.8%
+3.7% YoY
|
3.8%
+5.1% YoY
|
39% |
| Efficiency Ratio |
73.1%
-13.9% YoY-0.5% QoQ
|
-4.4% |
77.5%
-4.1% YoY
|
79.4%
+2.9% YoY
|
79.7%
-3.3% YoY
|
30% |
| Delinquency Rate |
1.4%
-18.8% YoY-25.3% QoQ
|
+0.5 |
0.8%
-1.1% YoY
|
1.1%
-12.6% YoY
|
1.3%
-2.1% YoY
|
85% |
| Loan To Share |
56.1%
-2.2% YoY-1.1% QoQ
|
-23.7% |
79.8%
-2.3% YoY
|
70.0%
-2.2% YoY
|
67.4%
-1.7% YoY
|
Bottom 6.1% in tier |
| AMR |
$8,699
+6.8% YoY+9.0% QoQ
|
$-18K |
$26,849
+2.7% YoY
|
$18,770
+3.9% YoY
|
$19,687
+2.0% YoY
|
Bottom 0.0% in tier |
| CD Concentration |
13.8%
+33.7% YoY+7.8% QoQ
|
-10.6% | 24.4% | 22.4% | 19.8% | 16% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 6.7% | 7.8% | Bottom 0.0% in tier |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (2)
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
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)