BlastPoint's Credit Union Scorecard
CONSUMER
Charter #60056 · TN
CONSUMER has 7 strengths but faces 8 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 9.4% in tier
- + Credit Quality Leader: Top 14.8% in tier
- + Wallet Share Momentum: Top 21.2% in tier
- + ROA 0.10% above tier average
- + Total Delinquency Rate (60+ days): Top 0.6% in tier
- + AMR Growth Rate: Top 6.5% in tier
- + Net Charge-Off Rate: Top 7.1% in tier
Key Concerns
Areas that may need attention
- - Stagnation Risk: Bottom 2.4% in tier
- - Membership Headwinds: Bottom 8.2% in tier
- - Flatlined Growth: Bottom 30.1% in tier
- - Member decline: -4.5% YoY
- - Net Interest Margin (NIM): Bottom 1.8% in tier
- - Share Certificate Concentration (%): Bottom 3.6% in tier
- - Member Growth Rate: Bottom 5.9% in tier
- - First Mortgage Concentration (%): Bottom 5.9% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
31,521
-4.5% YoY-1.1% QoQ
|
-8.2K |
39,752
-2.7% YoY
|
21,139
+4.9% YoY
|
33,089
+6.1% YoY
|
21% |
| Assets |
$634.8M
+2.0% YoY+0.6% QoQ
|
+$12.4M |
$622.4M
+0.3% YoY
|
$362.5M
+9.5% YoY
|
$547.7M
+7.8% YoY
|
56% |
| Loans |
$477.0M
+12.0% YoY+2.6% QoQ
|
+$41.1M |
$435.9M
-0.4% YoY
|
$271.1M
+9.1% YoY
|
$388.7M
+8.6% YoY
|
69% |
| Deposits |
$539.5M
+0.5% YoY+0.2% QoQ
|
+$1.5M |
$538.0M
+1.3% YoY
|
$303.0M
+8.7% YoY
|
$464.6M
+9.3% YoY
|
51% |
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| ROA |
0.8%
+192.8% YoY+13.8% QoQ
|
+0.1% |
0.7%
+33.9% YoY
|
0.8%
+4.1% YoY
|
0.7%
+273.4% YoY
|
57% |
| NIM |
2.1%
+34.5% YoY+3.1% QoQ
|
-1.3% |
3.4%
+8.6% YoY
|
3.8%
+5.1% YoY
|
3.7%
+5.0% YoY
|
Bottom 1.2% in tier |
| Efficiency Ratio |
71.0%
-17.8% YoY-2.9% QoQ
|
-7.1% |
78.1%
-3.4% YoY
|
75.4%
-1.8% YoY
|
79.1%
-3.3% YoY
|
20% |
| Delinquency Rate |
0.1%
-47.2% YoY-38.9% QoQ
|
-0.7 |
0.8%
-4.9% YoY
|
1.1%
+8.5% YoY
|
1.2%
-0.9% YoY
|
Bottom 0.6% in tier |
| Loan To Share |
88.4%
+11.5% YoY+2.4% QoQ
|
+7.4% |
81.0%
-1.8% YoY
|
70.4%
-2.4% YoY
|
68.0%
-1.7% YoY
|
65% |
| AMR |
$32,250
+10.6% YoY+2.5% QoQ
|
+$6K |
$26,482
+2.6% YoY
|
$18,470
+2.4% YoY
|
$19,418
+1.3% YoY
|
83% |
| CD Concentration |
42.1%
-2.2% YoY+1.0% QoQ
|
+17.7% |
24.4%
+4.2% YoY
|
22.3%
+6.6% YoY
|
19.6%
+6.2% YoY
|
Top 4.9% in tier |
| Indirect Auto % |
8.6%
-22.0% YoY-7.8% QoQ
|
-5.4% |
14.0%
-5.7% YoY
|
6.9%
+1.1% YoY
|
7.9%
-2.9% YoY
|
51% |
Signature Analysis
Strengths (3)
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (3)
Stagnation Risk
riskMembership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Flatlined Growth
riskAsset growth stalled (-2% to +2%) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
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)