BlastPoint's Credit Union Scorecard
FAIR BREAK
Charter #24961 · TN
FAIR BREAK has 1 strength but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Worth Ratio: Top 0.1% in tier
Key Concerns
Areas that may need attention
- - ROA 0.15% below tier average
- - Efficiency Ratio: Bottom 0.0% in tier
- - Loan Growth Rate: Bottom 0.0% in tier
- - Deposit Growth Rate: Bottom 0.0% in tier
- - AMR Growth Rate: Bottom 0.0% in tier
- - Total Delinquency Rate (60+ days): Bottom 0.0% in tier
- - Net Charge-Off Rate: Bottom 0.0% in tier
- - Loan-to-Share Ratio: Bottom 0.0% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1
0% YoY0% QoQ
|
-2.7K |
2,676
+1.6% YoY
|
21,412
+3.7% YoY
|
33,913
+5.7% YoY
|
Bottom 0.1% in tier |
| Assets |
$22.0
0% YoY0% QoQ
|
$-30.2M |
$30.2M
+1.3% YoY
|
$379.6M
+8.7% YoY
|
$578.3M
+9.0% YoY
|
Bottom 0.1% in tier |
| Loans | $0.0 | $-15.3M |
$15.3M
-2.0% YoY
|
$279.0M
+7.7% YoY
|
$402.4M
+8.7% YoY
|
Bottom 0.1% in tier |
| Deposits | $0.0 | $-25.8M |
$25.8M
+0.7% YoY
|
$319.1M
+8.0% YoY
|
$494.3M
+9.1% YoY
|
Bottom 0.1% in tier |
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| ROA | 0.0% | -0.1% |
0.1%
-77.6% YoY
|
0.6%
-5.0% YoY
|
0.4%
-39.2% YoY
|
21% |
| NIM | 0.0% | -4.0% |
4.0%
+4.0% YoY
|
3.9%
+5.1% YoY
|
3.8%
+4.1% YoY
|
Bottom 0.3% in tier |
| Efficiency Ratio | - | - |
90.6%
+6.5% YoY
|
79.6%
+1.7% YoY
|
84.6%
+2.8% YoY
|
- |
| Delinquency Rate | - | - |
1.5%
+3.8% YoY
|
0.9%
-14.5% YoY
|
1.2%
+3.4% YoY
|
- |
| Loan To Share | - | - |
58.5%
-3.0% YoY
|
68.3%
-1.5% YoY
|
65.6%
-1.4% YoY
|
- |
| AMR | $0.0 | $-15K |
$14,884
-1.7% YoY
|
$18,957
+3.0% YoY
|
$19,920
+1.6% YoY
|
Bottom 0.1% in tier |
| CD Concentration | - | - | 24.3% | 22.3% | 19.8% | - |
| Indirect Auto % | - | - | 13.8% | 6.8% | 7.7% | - |
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)