BlastPoint's Credit Union Scorecard
TENNESSEE MEMBERS 1ST
Charter #5318 · TN
TENNESSEE MEMBERS 1ST has 5 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Total Deposits: Top 0.6% in tier
- + Total Assets: Top 0.8% in tier
- + Average Member Relationship (AMR): Top 4.7% in tier
- + Total Loans: Top 7.2% in tier
- + Loan-to-Member Ratio (LMR): Top 8.2% in tier
Key Concerns
Areas that may need attention
- - ROA 1.48% below tier average
- - Efficiency ratio 5.40% above tier (higher cost structure)
- - Delinquency rate 0.74% above tier average
- - Member decline: -2.5% YoY
- - Indirect Auto Concentration (%): Bottom 3.9% 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 2,437 credit unions with under $100M in assets nationally, and 1 of 84 that size in Tennessee.
- Shares and deposits -0.1% year over year ($87.1M in shares and deposits).
- Membership: 4,468 members, -2.5% vs a year ago.
- Delinquency rate 2.29%.
- Return on assets 0.01%.
- Efficiency ratio 94.16% vs a 88.77% peer average.
- Loan-to-share ratio 52.01% 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 |
4,468
-2.5% YoY+0.1% QoQ
|
+1.9K |
2,585
-1.7% YoY
|
22,058
+4.8% YoY
|
34,678
+6.6% YoY
|
83% |
| Assets |
$97.9M
+0.9% YoY-0.5% QoQ
|
+$67.6M |
$30.3M
+1.5% YoY
|
$390.3M
+9.5% YoY
|
$593.1M
+10.2% YoY
|
Top 0.8% in tier |
| Loans |
$45.3M
+1.6% YoY-0.7% QoQ
|
+$29.9M |
$15.5M
-1.7% YoY
|
$289.3M
+8.5% YoY
|
$418.6M
+10.1% YoY
|
Top 7.2% in tier |
| Deposits |
$87.1M
-0.1% YoY-2.1% QoQ
|
+$61.3M |
$25.8M
+1.1% YoY
|
$326.4M
+8.9% YoY
|
$504.8M
+10.3% YoY
|
Top 0.6% in tier |
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| ROA |
0.0%
-94.6% YoY-84.4% QoQ
|
-1.5% |
1.5%
+241.5% YoY
|
1.1%
+46.9% YoY
|
1.2%
+121.4% YoY
|
Bottom 0.6% in tier |
| NIM |
3.2%
+0.7% YoY+3.4% QoQ
|
-0.7% |
3.9%
+0.9% YoY
|
3.9%
+2.1% YoY
|
3.8%
+2.3% YoY
|
22% |
| Efficiency Ratio |
94.2%
+4.6% YoY-0.8% QoQ
|
+5.4% |
88.8%
-6.9% YoY
|
78.9%
+2.6% YoY
|
83.0%
-5.3% YoY
|
79% |
| Delinquency Rate |
2.3%
+73.8% YoY+27.1% QoQ
|
+0.7 |
1.5%
+2.1% YoY
|
1.1%
-1.7% YoY
|
1.3%
+2.6% YoY
|
82% |
| Loan To Share |
52.0%
+1.7% YoY+1.4% QoQ
|
-6.9% |
58.9%
-3.1% YoY
|
68.7%
-1.7% YoY
|
66.4%
-1.4% YoY
|
40% |
| AMR |
$29,642
+3.1% YoY-1.7% QoQ
|
+$15K |
$14,963
-6.8% YoY
|
$19,228
+3.5% YoY
|
$20,028
-0.9% YoY
|
Top 4.7% in tier |
| CD Concentration |
20.6%
-7.3% YoY-2.7% QoQ
|
-4.0% | 24.6% | 22.4% | 20.0% | 50% |
| Indirect Auto % |
28.4%
-1.3% YoY-0.1% QoQ
|
+14.7% | 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)