BlastPoint's Credit Union Scorecard
B. M. H.
Charter #23630 · TN
B. M. H. has 2 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.80% above tier average
- + Loan Growth Rate: Top 1.6% in tier
Key Concerns
Areas that may need attention
- - ROA 0.79% below tier average
- - Efficiency ratio 12.64% above tier (higher cost structure)
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
484
+2.8% YoY+1.7% QoQ
|
-2.1K |
2,615
-1.9% YoY
|
21,265
+4.5% YoY
|
33,374
+5.7% YoY
|
Bottom 13.1% in tier |
| Assets |
$3.8M
+1.7% YoY-2.3% QoQ
|
$-26.4M |
$30.1M
+2.1% YoY
|
$372.5M
+10.3% YoY
|
$561.6M
+9.7% YoY
|
15% |
| Loans |
$1.5M
+30.9% YoY+12.4% QoQ
|
$-14.2M |
$15.8M
-1.3% YoY
|
$275.7M
+8.6% YoY
|
$397.0M
+8.8% YoY
|
Bottom 14.9% in tier |
| Deposits |
$3.0M
+2.7% YoY-2.6% QoQ
|
$-22.7M |
$25.7M
+1.4% YoY
|
$312.1M
+9.5% YoY
|
$477.3M
+9.7% YoY
|
15% |
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| ROA |
-0.2%
-110.7% YoY-182.5% QoQ
|
-0.8% |
0.6%
+10.8% YoY
|
0.7%
-5.8% YoY
|
0.7%
+15.9% YoY
|
Bottom 12.9% in tier |
| NIM |
4.8%
-8.1% YoY-2.4% QoQ
|
+0.8% |
4.0%
+4.0% YoY
|
3.8%
+3.7% YoY
|
3.8%
+5.1% YoY
|
80% |
| Efficiency Ratio |
95.2%
+30.3% YoY+13.6% QoQ
|
+12.6% |
82.6%
-2.3% YoY
|
79.4%
+2.9% YoY
|
79.7%
-3.3% YoY
|
83% |
| Delinquency Rate |
0.9%
-71.2% YoY-28.4% QoQ
|
-0.6 |
1.6%
-3.1% YoY
|
1.1%
-12.6% YoY
|
1.3%
-2.1% YoY
|
56% |
| Loan To Share |
51.4%
+27.5% YoY+15.3% QoQ
|
-9.2% |
60.6%
-3.1% YoY
|
70.0%
-2.2% YoY
|
67.4%
-1.7% YoY
|
35% |
| AMR |
$9,400
+7.8% YoY+0.3% QoQ
|
$-5K |
$14,783
-1.4% YoY
|
$18,770
+3.9% YoY
|
$19,687
+2.0% YoY
|
25% |
| CD Concentration | 0.0% | -24.4% | 24.4% | 22.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 6.7% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)