BlastPoint's Credit Union Scorecard
FEDEX EMPLOYEES CREDIT ASSOCIATION
Charter #21751 · TN
FEDEX EMPLOYEES CREDIT ASSOCIATION has 6 strengths but faces 11 concerns
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How does TN stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Leader: Top 23.6% in tier
- + Organic Growth Engine: Top 24.4% in tier
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Members Per Employee (MPE): Top 0.0% in tier
- + Total Members: Top 0.0% in tier
- + Share Certificate Concentration (%): Top 2.4% in tier
Key Concerns
Areas that may need attention
- - Flatlined Growth: Bottom 6.8% in tier
- - Credit Quality Pressure: Bottom 12.9% in tier
- - Shrinking Wallet Share: Bottom 18.6% in tier
- - ROA 0.14% below tier average
- - Delinquency rate 1.04% above tier average
- - Average Member Relationship (AMR): Bottom 0.6% in tier
- - Loan-to-Member Ratio (LMR): Bottom 0.6% in tier
- - Net Charge-Off Rate: Bottom 4.1% in tier
- - Total Delinquency Rate (60+ days): Bottom 7.1% in tier
- - Loan-to-Share Ratio: Bottom 7.7% in tier
- - Total Loans: Bottom 7.7% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
103,127
+1.4% YoY+0.9% QoQ
|
+63.4K |
39,752
-2.7% YoY
|
21,139
+4.9% YoY
|
33,089
+6.1% YoY
|
Top 0.6% in tier |
| Assets |
$625.1M
+0.3% YoY+0.0% QoQ
|
+$2.7M |
$622.4M
+0.3% YoY
|
$362.5M
+9.5% YoY
|
$547.7M
+7.8% YoY
|
49% |
| Loans |
$297.9M
+0.1% YoY+0.8% QoQ
|
$-138.0M |
$435.9M
-0.4% YoY
|
$271.1M
+9.1% YoY
|
$388.7M
+8.6% YoY
|
Bottom 7.1% in tier |
| Deposits |
$524.8M
-0.1% YoY+0.4% QoQ
|
$-13.2M |
$538.0M
+1.3% YoY
|
$303.0M
+8.7% YoY
|
$464.6M
+9.3% YoY
|
43% |
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| ROA |
0.5%
+339.5% YoY-21.0% QoQ
|
-0.1% |
0.7%
+33.9% YoY
|
0.8%
+4.1% YoY
|
0.7%
+273.4% YoY
|
42% |
| NIM |
3.3%
+19.3% YoY+1.6% QoQ
|
-0.1% |
3.4%
+8.6% YoY
|
3.8%
+5.1% YoY
|
3.7%
+5.0% YoY
|
41% |
| Efficiency Ratio |
73.5%
-14.4% YoY+2.1% QoQ
|
-4.6% |
78.1%
-3.4% YoY
|
75.4%
-1.8% YoY
|
79.1%
-3.3% YoY
|
27% |
| Delinquency Rate |
1.8%
+14.8% YoY+9.9% QoQ
|
+1.0 |
0.8%
-4.9% YoY
|
1.1%
+8.5% YoY
|
1.2%
-0.9% YoY
|
Top 7.1% in tier |
| Loan To Share |
56.8%
+0.3% YoY+0.5% QoQ
|
-24.3% |
81.0%
-1.8% YoY
|
70.4%
-2.4% YoY
|
68.0%
-1.7% YoY
|
Bottom 7.1% in tier |
| AMR |
$7,978
-1.4% YoY-0.3% QoQ
|
$-19K |
$26,482
+2.6% YoY
|
$18,470
+2.4% YoY
|
$19,418
+1.3% YoY
|
Bottom 0.0% in tier |
| CD Concentration |
12.8%
+29.8% YoY+10.2% QoQ
|
-11.6% |
24.4%
+4.2% YoY
|
22.3%
+6.6% YoY
|
19.6%
+6.2% YoY
|
Bottom 14.2% in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
6.9%
+1.1% YoY
|
7.9%
-2.9% YoY
|
Bottom 0.0% in tier |
Signature Analysis
Strengths (2)
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (3)
Flatlined Growth
riskAsset growth stalled (-2% to +2%) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
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)