BlastPoint's Credit Union Scorecard
CONSUMER
Charter #60056 · TN
CONSUMER has 7 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 6.7% in tier
- + Wallet Share Momentum: Top 6.7% in tier
- + ROA 0.40% above tier average
- + Total Delinquency Rate (60+ days): Top 3.6% in tier
- + AMR Growth Rate: Top 4.8% in tier
- + Efficiency Ratio: Top 6.6% in tier
- + Net Charge-Off Rate: Top 8.4% in tier
Key Concerns
Areas that may need attention
- - Membership Headwinds: Bottom 93.5% in tier
- - Stagnation Risk: Bottom 93.5% in tier
- - Member decline: -6.3% YoY
- - Share Certificate Concentration (%): Bottom 1.8% in tier
- - Net Interest Margin (NIM): Bottom 3.0% in tier
- - Member Growth Rate: Bottom 3.6% in tier
- - First Mortgage Concentration (%): Bottom 6.0% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
30,308
-6.3% YoY-2.6% QoQ
|
-7.8K |
38,079
-4.8% YoY
|
21,412
+3.7% YoY
|
33,913
+5.7% YoY
|
22% |
| Assets |
$651.2M
+6.3% YoY+0.6% QoQ
|
+$31.6M |
$619.7M
-0.2% YoY
|
$379.6M
+8.7% YoY
|
$578.3M
+9.0% YoY
|
61% |
| Loans |
$484.4M
+8.1% YoY+1.2% QoQ
|
+$65.1M |
$419.3M
-1.4% YoY
|
$279.0M
+7.7% YoY
|
$402.4M
+8.7% YoY
|
75% |
| Deposits |
$552.6M
+2.1% YoY+0.5% QoQ
|
+$13.2M |
$539.5M
-0.1% YoY
|
$319.1M
+8.0% YoY
|
$494.3M
+9.1% YoY
|
60% |
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| ROA |
1.1%
+98.0% YoY+35.0% QoQ
|
+0.4% |
0.7%
+36.0% YoY
|
0.6%
-5.0% YoY
|
0.4%
-39.2% YoY
|
78% |
| NIM |
2.4%
+22.7% YoY+10.6% QoQ
|
-1.1% |
3.5%
+4.5% YoY
|
3.9%
+5.1% YoY
|
3.8%
+4.1% YoY
|
Bottom 2.4% in tier |
| Efficiency Ratio |
63.1%
-17.3% YoY-10.0% QoQ
|
-15.3% |
78.4%
-3.7% YoY
|
79.6%
+1.7% YoY
|
84.6%
+2.8% YoY
|
Top 6.6% in tier |
| Delinquency Rate |
0.1%
-36.9% YoY+20.2% QoQ
|
-0.6 |
0.7%
-0.9% YoY
|
0.9%
-14.5% YoY
|
1.2%
+3.4% YoY
|
Top 3.6% in tier |
| Loan To Share |
87.7%
+5.8% YoY+0.7% QoQ
|
+10.0% |
77.7%
-1.2% YoY
|
68.3%
-1.5% YoY
|
65.6%
-1.4% YoY
|
76% |
| AMR |
$34,216
+11.9% YoY+3.5% QoQ
|
+$7K |
$26,927
+3.1% YoY
|
$18,957
+3.0% YoY
|
$19,920
+1.6% YoY
|
Top 14.4% in tier |
| CD Concentration |
41.4%
-1.3% YoY+0.1% QoQ
|
+17.2% | 24.3% | 22.3% | 19.8% | Top 5.8% in tier |
| Indirect Auto % |
7.1%
-29.4% YoY-10.6% QoQ
|
-6.7% | 13.8% | 6.8% | 7.7% | 48% |
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)