BlastPoint's Credit Union Scorecard

FEDEX EMPLOYEES CREDIT ASSOCIATION

Charter #21751 · TN

Community 500M-750M

167 CUs in 500M-750M nationally 5 in TN

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FEDEX EMPLOYEES CREDIT ASSOCIATION has 4 strengths but faces 8 concerns

National Analysis

How does the industry compare?

Community Tier

What's your peer group doing?

TN Analysis

How does TN stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Wallet Share Momentum: Top 16.0% in tier
+ Total Members: Top 0.1% in tier
+ Members Per Employee (MPE): Top 0.1% in tier
+ Share Certificate Concentration (%): Top 6.0% in tier

Key Concerns

Areas that may need attention

- Stagnation Risk: Bottom 90.9% in tier
- Membership Headwinds: Bottom 90.9% in tier
- ROA 0.60% below tier average
- Delinquency rate 0.49% 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 3.0% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (TN)	National Avg	Tier Percentile
Members	96,185 -5.2% YoY+1.0% QoQ	+58.1K	38,079 -4.8% YoY	21,412 +3.7% YoY	33,913 +5.7% YoY	Top 0.6% in tier
Assets	$641.5M +2.1% YoY+1.4% QoQ	+$21.8M	$619.7M -0.2% YoY	$379.6M +8.7% YoY	$578.3M +9.0% YoY	58%
Loans	$298.8M +1.4% YoY+0.3% QoQ	$-120.5M	$419.3M -1.4% YoY	$279.0M +7.7% YoY	$402.4M +8.7% YoY	Bottom 10.2% in tier
Deposits	$543.5M +2.7% YoY+2.4% QoQ	+$4.0M	$539.5M -0.1% YoY	$319.1M +8.0% YoY	$494.3M +9.1% YoY	52%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.1% -90.2% YoY-82.4% QoQ	-0.6%	0.7% +36.0% YoY	0.6% -5.0% YoY	0.4% -39.2% YoY	Bottom 9.6% in tier
NIM	3.4% +3.6% YoY+2.0% QoQ	+0.0%	3.5% +4.5% YoY	3.9% +5.1% YoY	3.8% +4.1% YoY	44%
Efficiency Ratio	76.8% +10.1% YoY+5.0% QoQ	-1.6%	78.4% -3.7% YoY	79.6% +1.7% YoY	84.6% +2.8% YoY	40%
Delinquency Rate	1.2% -26.7% YoY-12.6% QoQ	+0.5	0.7% -0.9% YoY	0.9% -14.5% YoY	1.2% +3.4% YoY	Bottom 15.0% in tier
Loan To Share	55.0% -1.2% YoY-2.1% QoQ	-22.7%	77.7% -1.2% YoY	68.3% -1.5% YoY	65.6% -1.4% YoY	Bottom 7.2% in tier
AMR	$8,757 +7.9% YoY+0.7% QoQ	$-18K	$26,927 +3.1% YoY	$18,957 +3.0% YoY	$19,920 +1.6% YoY	Bottom 0.1% in tier
CD Concentration	15.3% +43.6% YoY+11.2% QoQ	-8.9%	24.3%	22.3%	19.8%	20%
Indirect Auto %	0.0%	-13.8%	13.8%	6.8%	7.7%	Top 0.1% in tier

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#214 of 491 • Top 16.0% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 7.87%

(Tier: 3.74%, National: 6.36%)

better than tier avg

637 nationally

↑ Growing +107 CUs YoY | New qualifier

Concerns (2)

Stagnation Risk

risk

#116 of 570 • Bottom 90.9% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -5.24%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): 1.44%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

Delinquency Rate: 1.20%

(Tier: 0.76%, National: 1.19%)

worse than tier avg

676 nationally

→ No prior data (570 CUs now) | New qualifier

Membership Headwinds

decline

#122 of 570 • Bottom 90.9% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -5.24%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

676 nationally

→ No prior data (570 CUs now) | New qualifier

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)

Compare against:

Comparing against 167 peers in tier

Top Strengths (6 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 10.91%

#1 of 167 Top 0.1% in 500M-750M tier

Total Members

engagement

Value: 96,185

Peer Median: 36,874

#1 of 167 Top 0.1% in 500M-750M tier

Members Per Employee (MPE)

engagement

Value: 781.992

Peer Median: 318.730

#1 of 167 Top 0.1% in 500M-750M tier

Share Certificate Concentration (%)

balance_sheet

Value: 15.34%

Peer Median: 26.29%

#11 of 167 Top 6.0% in 500M-750M tier

Net Worth Ratio

risk

Value: 13.88%

Peer Median: 10.35%

#22 of 167 Top 12.6% in 500M-750M tier

AMR Growth Rate

growth

Value: 7.87%

Peer Median: 4.03%

#29 of 167 Top 16.8% in 500M-750M tier

Top Weaknesses (9 metrics)

167

Average Member Relationship (AMR)

engagement

Value: $8,757

Peer Median: $25,600

#167 of 167 Bottom 0.6% in 500M-750M tier

167

Loan-to-Member Ratio (LMR)

engagement

Value: $3,107

Peer Median: $11,231

#167 of 167 Bottom 0.6% in 500M-750M tier

163

Net Charge-Off Rate

risk

Value: 1.51%

Peer Median: 0.39%

#163 of 167 Bottom 3.0% in 500M-750M tier

158

Member Growth Rate

growth

Value: -5.24%

Peer Median: 1.03%

#158 of 167 Bottom 6.0% in 500M-750M tier

155

Loan-to-Share Ratio

balance_sheet

Value: 54.98%

Peer Median: 79.97%

#155 of 167 Bottom 7.8% in 500M-750M tier

151

Return on Assets (ROA)

profitability

Value: 0.08%

Peer Median: 0.61%

#151 of 167 Bottom 10.2% in 500M-750M tier

150

Total Loans

balance_sheet

Value: $298.82M

Peer Median: $427.27M

#150 of 167 Bottom 10.8% in 500M-750M tier

143

Total Delinquency Rate (60+ days)

risk

Value: 1.20%

Peer Median: 0.62%

#143 of 167 Bottom 15.0% in 500M-750M tier

139

Fee Income Per Member

profitability

Value: $122.06

Peer Median: $178.80

#139 of 167 Bottom 17.4% in 500M-750M tier