BlastPoint's Credit Union Scorecard
FEDEX EMPLOYEES CREDIT ASSOCIATION
Charter #21751 · TN
FEDEX EMPLOYEES CREDIT ASSOCIATION has 3 strengths but faces 8 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 14.7% in tier
- + Total Members: Top 0.1% in tier
- + Members Per Employee (MPE): Top 0.1% in tier
Key Concerns
Areas that may need attention
- - Stagnation Risk: Bottom 89.9% in tier
- - Membership Headwinds: Bottom 89.9% in tier
- - ROA 0.25% below tier average
- - Delinquency rate 0.23% above tier average
- - Member decline: -4.9% 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
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 165 credit unions with $500M-$750M in assets nationally, and 1 of 5 that size in Tennessee.
- Shares and deposits +4.1% year over year ($544M in shares and deposits).
- Membership: 97,220 members, -4.9% vs a year ago.
- Delinquency rate 1.04%.
- Return on assets 0.57%.
- Efficiency ratio 70.21% vs a 76.56% peer average.
- Loan-to-share ratio 54.83% vs a 79.33% 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 |
97,220
-4.9% YoY+1.1% QoQ
|
+59.3K |
37,897
-5.0% YoY
|
22,058
+4.8% YoY
|
34,678
+6.6% YoY
|
Top 0.6% in tier |
| Assets |
$641.1M
+2.6% YoY-0.1% QoQ
|
+$18.7M |
$622.4M
+0.6% YoY
|
$390.3M
+9.5% YoY
|
$593.1M
+10.2% YoY
|
57% |
| Loans |
$298.5M
+1.0% YoY-0.1% QoQ
|
$-130.0M |
$428.5M
-0.7% YoY
|
$289.3M
+8.5% YoY
|
$418.6M
+10.1% YoY
|
Bottom 9.1% in tier |
| Deposits |
$544.4M
+4.1% YoY+0.2% QoQ
|
+$4.6M |
$539.8M
+0.9% YoY
|
$326.4M
+8.9% YoY
|
$504.8M
+10.3% YoY
|
52% |
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| ROA |
0.6%
-14.0% YoY+585.5% QoQ
|
-0.2% |
0.8%
+39.5% YoY
|
1.1%
+46.9% YoY
|
1.2%
+121.4% YoY
|
36% |
| NIM |
3.5%
+5.7% YoY+1.6% QoQ
|
-0.1% |
3.5%
+5.0% YoY
|
3.9%
+2.1% YoY
|
3.8%
+2.3% YoY
|
45% |
| Efficiency Ratio |
70.2%
-2.4% YoY-8.5% QoQ
|
-6.3% |
76.6%
-3.6% YoY
|
78.9%
+2.6% YoY
|
83.0%
-5.3% YoY
|
22% |
| Delinquency Rate |
1.0%
-38.0% YoY-13.4% QoQ
|
+0.2 |
0.8%
+3.1% YoY
|
1.1%
-1.7% YoY
|
1.3%
+2.6% YoY
|
75% |
| Loan To Share |
54.8%
-3.0% YoY-0.3% QoQ
|
-24.5% |
79.3%
-1.4% YoY
|
68.7%
-1.7% YoY
|
66.4%
-1.4% YoY
|
Bottom 6.7% in tier |
| AMR |
$8,670
+8.3% YoY-1.0% QoQ
|
$-19K |
$27,294
+4.1% YoY
|
$19,228
+3.5% YoY
|
$20,028
-0.9% YoY
|
Bottom 0.1% in tier |
| CD Concentration |
16.6%
+43.1% YoY+8.4% QoQ
|
-7.9% | 24.6% | 22.4% | 20.0% | 23% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 6.8% | 7.7% | Top 0.1% 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)