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 1.03% above tier average
- + Loan Growth Rate: Top 5.9% in tier
Key Concerns
Areas that may need attention
- - ROA 1.11% below tier average
- - Efficiency ratio 9.30% above tier (higher cost structure)
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 2,437 credit unions with under $100M in assets nationally, and 1 of 84 that size in Tennessee.
- Shares and deposits -3.9% year over year ($2.9M in shares and deposits).
- Membership: 484 members, +2.1% vs a year ago.
- Delinquency rate 0.94%.
- Return on assets 0.38%.
- Efficiency ratio 98.06% vs a 88.77% peer average.
- Loan-to-share ratio 49.92% vs a 58.89% 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 |
484
+2.1% YoY-0.4% QoQ
|
-2.1K |
2,585
-1.7% YoY
|
22,058
+4.8% YoY
|
34,678
+6.6% YoY
|
Bottom 13.1% in tier |
| Assets |
$3.7M
-3.0% YoY-0.9% QoQ
|
$-26.6M |
$30.3M
+1.5% YoY
|
$390.3M
+9.5% YoY
|
$593.1M
+10.2% YoY
|
Bottom 14.6% in tier |
| Loans |
$1.4M
+13.8% YoY-0.3% QoQ
|
$-14.0M |
$15.5M
-1.7% YoY
|
$289.3M
+8.5% YoY
|
$418.6M
+10.1% YoY
|
Bottom 14.2% in tier |
| Deposits |
$2.9M
-3.9% YoY-1.1% QoQ
|
$-22.9M |
$25.8M
+1.1% YoY
|
$326.4M
+8.9% YoY
|
$504.8M
+10.3% YoY
|
15% |
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| ROA |
0.4%
+81.0% YoY-67.9% QoQ
|
-1.1% |
1.5%
+241.5% YoY
|
1.1%
+46.9% YoY
|
1.2%
+121.4% YoY
|
23% |
| NIM |
4.9%
+1.6% YoY-5.1% QoQ
|
+1.0% |
3.9%
+0.9% YoY
|
3.9%
+2.1% YoY
|
3.8%
+2.3% YoY
|
Top 12.9% in tier |
| Efficiency Ratio |
98.1%
+33.9% YoY+1.4% QoQ
|
+9.3% |
88.8%
-6.9% YoY
|
78.9%
+2.6% YoY
|
83.0%
-5.3% YoY
|
85% |
| Delinquency Rate |
0.9%
-83.8% YoY-5.2% QoQ
|
-0.6 |
1.5%
+2.1% YoY
|
1.1%
-1.7% YoY
|
1.3%
+2.6% YoY
|
59% |
| Loan To Share |
49.9%
+18.5% YoY+0.9% QoQ
|
-9.0% |
58.9%
-3.1% YoY
|
68.7%
-1.7% YoY
|
66.4%
-1.4% YoY
|
36% |
| AMR |
$8,954
-0.8% YoY-0.4% QoQ
|
$-6K |
$14,963
-6.8% YoY
|
$19,228
+3.5% YoY
|
$20,028
-0.9% YoY
|
23% |
| CD Concentration | 0.0% | -24.6% | 24.6% | 22.4% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 6.8% | 7.7% | 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)