BlastPoint's Credit Union Scorecard
PATRIOT EQUITY
Charter #60082 · TN
PATRIOT EQUITY faces 12 concerns requiring attention
Key Strengths
Areas where this CU excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - ROA 0.89% below tier average
- - Delinquency rate 1.14% above tier average
- - Member decline: -9.8% YoY
- - Loan Growth Rate: Bottom 3.6% in tier
- - Net Charge-Off Rate: Bottom 4.6% in tier
- - Indirect Auto Concentration (%): Bottom 5.3% in tier
- - Asset Growth Rate: Bottom 5.4% in tier
- - Deposit Growth Rate: Bottom 6.0% in tier
- - Member Growth Rate: Bottom 6.1% in tier
- - Share Certificate Concentration (%): Bottom 8.4% in tier
- - AMR Growth Rate: Bottom 8.8% in tier
- - First Mortgage Concentration (%): Bottom 10.0% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,207
-9.8% YoY-2.0% QoQ
|
-418 |
2,625
-2.2% YoY
|
21,139
+4.9% YoY
|
33,089
+6.1% YoY
|
56% |
| Assets |
$33.5M
-10.0% YoY-10.1% QoQ
|
+$3.6M |
$29.9M
+1.1% YoY
|
$362.5M
+9.5% YoY
|
$547.7M
+7.8% YoY
|
64% |
| Loans |
$20.6M
-26.0% YoY-7.8% QoQ
|
+$4.8M |
$15.8M
-2.4% YoY
|
$271.1M
+9.1% YoY
|
$388.7M
+8.6% YoY
|
71% |
| Deposits |
$29.8M
-11.2% YoY-11.1% QoQ
|
+$4.3M |
$25.5M
+0.4% YoY
|
$303.0M
+8.7% YoY
|
$464.6M
+9.3% YoY
|
65% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
-0.2%
-91.3% YoY-220.2% QoQ
|
-0.9% |
0.7%
-731.4% YoY
|
0.8%
+4.1% YoY
|
0.7%
+273.4% YoY
|
Bottom 12.4% in tier |
| NIM |
3.8%
-4.6% YoY+9.8% QoQ
|
-0.1% |
3.9%
+3.8% YoY
|
3.8%
+5.1% YoY
|
3.7%
+5.0% YoY
|
46% |
| Efficiency Ratio |
69.3%
-21.3% YoY+16.8% QoQ
|
-12.1% |
81.4%
-2.4% YoY
|
75.4%
-1.8% YoY
|
79.1%
-3.3% YoY
|
30% |
| Delinquency Rate |
2.6%
-34.5% YoY-38.9% QoQ
|
+1.1 |
1.5%
-2.0% YoY
|
1.1%
+8.5% YoY
|
1.2%
-0.9% YoY
|
Top 14.1% in tier |
| Loan To Share |
69.2%
-16.7% YoY+3.7% QoQ
|
+7.9% |
61.2%
-3.0% YoY
|
70.4%
-2.4% YoY
|
68.0%
-1.7% YoY
|
61% |
| AMR |
$22,808
-9.0% YoY-8.0% QoQ
|
+$8K |
$14,627
-2.7% YoY
|
$18,470
+2.4% YoY
|
$19,418
+1.3% YoY
|
Top 12.4% in tier |
| CD Concentration |
38.7%
+7.1% YoY+2.5% QoQ
|
+14.3% |
24.4%
+4.2% YoY
|
22.3%
+6.6% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
22.4%
-17.9% YoY-5.9% QoQ
|
+8.4% |
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)