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 7.1% in tier
- + Wallet Share Momentum: Top 7.1% in tier
- + ROA 0.34% above tier average
- + Total Delinquency Rate (60+ days): Top 1.2% in tier
- + Net Charge-Off Rate: Top 5.5% in tier
- + AMR Growth Rate: Top 6.1% in tier
- + Efficiency Ratio: Top 9.1% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 15.2% in tier
- - Membership Headwinds: Bottom 92.5% in tier
- - Stagnation Risk: Bottom 92.5% in tier
- - Member decline: -6.2% YoY
- - Net Interest Margin (NIM): Bottom 2.4% in tier
- - Share Certificate Concentration (%): Bottom 3.6% in tier
- - First Mortgage Concentration (%): Bottom 6.1% in tier
- - Member Growth Rate: Bottom 6.7% 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 165 credit unions with $500M-$750M in assets nationally, and 1 of 5 that size in Tennessee.
- Shares and deposits +2.1% year over year ($550M in shares and deposits).
- Membership: 29,911 members, -6.2% vs a year ago.
- Delinquency rate 0.10%.
- Return on assets 1.16%.
- Efficiency ratio 62.25% vs a 76.56% peer average.
- Loan-to-share ratio 91.07% vs a 79.33% 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 |
29,911
-6.2% YoY-1.3% QoQ
|
-8.0K |
37,897
-5.0% YoY
|
22,058
+4.8% YoY
|
34,678
+6.6% YoY
|
21% |
| Assets |
$660.5M
+4.6% YoY+1.4% QoQ
|
+$38.1M |
$622.4M
+0.6% YoY
|
$390.3M
+9.5% YoY
|
$593.1M
+10.2% YoY
|
65% |
| Loans |
$500.7M
+7.7% YoY+3.4% QoQ
|
+$72.2M |
$428.5M
-0.7% YoY
|
$289.3M
+8.5% YoY
|
$418.6M
+10.1% YoY
|
73% |
| Deposits |
$549.8M
+2.1% YoY-0.5% QoQ
|
+$10.0M |
$539.8M
+0.9% YoY
|
$326.4M
+8.9% YoY
|
$504.8M
+10.3% YoY
|
56% |
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| ROA |
1.2%
+74.7% YoY+6.9% QoQ
|
+0.3% |
0.8%
+39.5% YoY
|
1.1%
+46.9% YoY
|
1.2%
+121.4% YoY
|
82% |
| NIM |
2.5%
+19.8% YoY+2.8% QoQ
|
-1.1% |
3.5%
+5.0% YoY
|
3.9%
+2.1% YoY
|
3.8%
+2.3% YoY
|
Bottom 1.8% in tier |
| Efficiency Ratio |
62.2%
-14.9% YoY-1.3% QoQ
|
-14.3% |
76.6%
-3.6% YoY
|
78.9%
+2.6% YoY
|
83.0%
-5.3% YoY
|
Top 9.1% in tier |
| Delinquency Rate |
0.1%
-36.0% YoY-19.4% QoQ
|
-0.7 |
0.8%
+3.1% YoY
|
1.1%
-1.7% YoY
|
1.3%
+2.6% YoY
|
Top 1.2% in tier |
| Loan To Share |
91.1%
+5.4% YoY+3.9% QoQ
|
+11.7% |
79.3%
-1.4% YoY
|
68.7%
-1.7% YoY
|
66.4%
-1.4% YoY
|
79% |
| AMR |
$35,119
+11.6% YoY+2.6% QoQ
|
+$8K |
$27,294
+4.1% YoY
|
$19,228
+3.5% YoY
|
$20,028
-0.9% YoY
|
Top 13.9% in tier |
| CD Concentration |
40.9%
-1.7% YoY-1.2% QoQ
|
+16.4% | 24.6% | 22.4% | 20.0% | Top 6.8% in tier |
| Indirect Auto % |
6.1%
-34.3% YoY-13.9% QoQ
|
-7.5% | 13.6% | 6.8% | 7.7% | 47% |
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 (3)
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.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
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)