BlastPoint's Credit Union Scorecard
CONSUMER
Charter #60056 · TN
CONSUMER has 6 strengths but faces 7 concerns
How does the industry compare?
What's your peer group doing?
How does TN stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Relationship Depth Leader: Top 13.1% in tier
- + Wallet Share Momentum: Top 23.6% in tier
- + ROA 0.14% above tier average
- + Total Delinquency Rate (60+ days): Top 0.6% in tier
- + Net Charge-Off Rate: Top 5.5% in tier
- + AMR Growth Rate: Top 7.3% in tier
Key Concerns
Areas that may need attention
- - Membership Headwinds: Bottom 29.7% in tier
- - Stagnation Risk: Bottom 82.3% in tier
- - Member decline: -4.3% YoY
- - Net Interest Margin (NIM): Bottom 1.8% in tier
- - Share Certificate Concentration (%): Bottom 3.6% in tier
- - First Mortgage Concentration (%): Bottom 5.5% in tier
- - Member Growth Rate: Bottom 9.1% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
31,119
-4.3% YoY-1.3% QoQ
|
-7.5K |
38,575
-4.8% YoY
|
21,265
+4.5% YoY
|
33,374
+5.7% YoY
|
22% |
| Assets |
$647.3M
+4.6% YoY+2.0% QoQ
|
+$25.6M |
$621.7M
+0.1% YoY
|
$372.5M
+10.3% YoY
|
$561.6M
+9.7% YoY
|
59% |
| Loans |
$478.7M
+9.9% YoY+0.4% QoQ
|
+$48.9M |
$429.8M
-1.8% YoY
|
$275.7M
+8.6% YoY
|
$397.0M
+8.8% YoY
|
70% |
| Deposits |
$549.9M
+2.8% YoY+1.9% QoQ
|
+$11.2M |
$538.7M
+0.6% YoY
|
$312.1M
+9.5% YoY
|
$477.3M
+9.7% YoY
|
58% |
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| ROA |
0.8%
+144.9% YoY+6.4% QoQ
|
+0.1% |
0.7%
+42.9% YoY
|
0.7%
-5.8% YoY
|
0.7%
+15.9% YoY
|
61% |
| NIM |
2.2%
+29.7% YoY+2.2% QoQ
|
-1.3% |
3.4%
+8.0% YoY
|
3.8%
+3.7% YoY
|
3.8%
+5.1% YoY
|
Bottom 1.2% in tier |
| Efficiency Ratio |
70.0%
-16.2% YoY-1.4% QoQ
|
-7.5% |
77.5%
-4.1% YoY
|
79.4%
+2.9% YoY
|
79.7%
-3.3% YoY
|
21% |
| Delinquency Rate |
0.1%
-40.9% YoY+8.0% QoQ
|
-0.7 |
0.8%
-1.1% YoY
|
1.1%
-12.6% YoY
|
1.3%
-2.1% YoY
|
Bottom 0.6% in tier |
| Loan To Share |
87.1%
+6.9% YoY-1.5% QoQ
|
+7.2% |
79.8%
-2.3% YoY
|
70.0%
-2.2% YoY
|
67.4%
-1.7% YoY
|
68% |
| AMR |
$33,054
+10.8% YoY+2.5% QoQ
|
+$6K |
$26,849
+2.7% YoY
|
$18,770
+3.9% YoY
|
$19,687
+2.0% YoY
|
84% |
| CD Concentration |
41.4%
-2.5% YoY-1.6% QoQ
|
+17.0% | 24.4% | 22.4% | 19.8% | Top 5.8% in tier |
| Indirect Auto % |
8.0%
-24.4% YoY-7.5% QoQ
|
-5.8% | 13.8% | 6.7% | 7.8% | 50% |
Signature Analysis
Strengths (2)
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (2)
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
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)