BlastPoint's Credit Union Scorecard
TENNESSEE MEMBERS 1ST
Charter #5318 · TN
TENNESSEE MEMBERS 1ST has 5 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Total Assets: Top 0.5% in tier
- + Total Deposits: Top 0.5% in tier
- + Average Member Relationship (AMR): Top 4.4% in tier
- + Total Loans: Top 7.1% in tier
- + Loan-to-Member Ratio (LMR): Top 7.8% in tier
Key Concerns
Areas that may need attention
- - ROA 0.57% below tier average
- - Efficiency ratio 10.47% above tier (higher cost structure)
- - Delinquency rate 0.10% above tier average
- - Indirect Auto Concentration (%): Bottom 4.2% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
4,534
-1.3% YoY-1.1% QoQ
|
+1.9K |
2,625
-2.2% YoY
|
21,139
+4.9% YoY
|
33,089
+6.1% YoY
|
83% |
| Assets |
$98.1M
+1.3% YoY+1.2% QoQ
|
+$68.2M |
$29.9M
+1.1% YoY
|
$362.5M
+9.5% YoY
|
$547.7M
+7.8% YoY
|
Top 0.5% in tier |
| Loans |
$45.9M
+7.1% YoY+3.0% QoQ
|
+$30.2M |
$15.8M
-2.4% YoY
|
$271.1M
+9.1% YoY
|
$388.7M
+8.6% YoY
|
Top 7.1% in tier |
| Deposits |
$87.1M
-2.0% YoY-0.1% QoQ
|
+$61.7M |
$25.5M
+0.4% YoY
|
$303.0M
+8.7% YoY
|
$464.6M
+9.3% YoY
|
Top 0.6% in tier |
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| ROA |
0.1%
+688.8% YoY-35.6% QoQ
|
-0.6% |
0.7%
-731.4% YoY
|
0.8%
+4.1% YoY
|
0.7%
+273.4% YoY
|
20% |
| NIM |
3.1%
+14.8% YoY-0.1% QoQ
|
-0.8% |
3.9%
+3.8% YoY
|
3.8%
+5.1% YoY
|
3.7%
+5.0% YoY
|
22% |
| Efficiency Ratio |
91.9%
-5.1% YoY+2.0% QoQ
|
+10.5% |
81.4%
-2.4% YoY
|
75.4%
-1.8% YoY
|
79.1%
-3.3% YoY
|
80% |
| Delinquency Rate |
1.6%
+119.6% YoY+22.4% QoQ
|
+0.1 |
1.5%
-2.0% YoY
|
1.1%
+8.5% YoY
|
1.2%
-0.9% YoY
|
74% |
| Loan To Share |
52.7%
+9.4% YoY+3.1% QoQ
|
-8.5% |
61.2%
-3.0% YoY
|
70.4%
-2.4% YoY
|
68.0%
-1.7% YoY
|
36% |
| AMR |
$29,350
+2.3% YoY+2.1% QoQ
|
+$15K |
$14,627
-2.7% YoY
|
$18,470
+2.4% YoY
|
$19,418
+1.3% YoY
|
Top 4.4% in tier |
| CD Concentration |
24.6%
+10.1% YoY+11.0% QoQ
|
+0.2% |
24.4%
+4.2% YoY
|
22.3%
+6.6% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
28.2%
+0.9% YoY-1.8% QoQ
|
+14.2% |
14.0%
-5.7% YoY
|
6.9%
+1.1% YoY
|
7.9%
-2.9% YoY
|
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)