BlastPoint's Credit Union Scorecard
PATRIOT EQUITY
Charter #60082 · TN
PATRIOT EQUITY has 1 strength but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Fee Income Per Member: Top 8.9% in tier
Key Concerns
Areas that may need attention
- - ROA 0.11% below tier average
- - Efficiency ratio 0.35% above tier (higher cost structure)
- - Delinquency rate 0.83% above tier average
- - Member decline: -10.5% YoY
- - Asset Growth Rate: Bottom 3.1% in tier
- - Loan Growth Rate: Bottom 3.9% in tier
- - Deposit Growth Rate: Bottom 4.3% in tier
- - Indirect Auto Concentration (%): Bottom 5.5% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,069
-10.5% YoY-2.7% QoQ
|
-607 |
2,676
+1.6% YoY
|
21,412
+3.7% YoY
|
33,913
+5.7% YoY
|
53% |
| Assets |
$33.8M
-11.9% YoY-0.8% QoQ
|
+$3.6M |
$30.2M
+1.3% YoY
|
$379.6M
+8.7% YoY
|
$578.3M
+9.0% YoY
|
63% |
| Loans |
$18.4M
-24.7% YoY-6.0% QoQ
|
+$3.1M |
$15.3M
-2.0% YoY
|
$279.0M
+7.7% YoY
|
$402.4M
+8.7% YoY
|
68% |
| Deposits |
$30.1M
-12.6% YoY-0.9% QoQ
|
+$4.4M |
$25.8M
+0.7% YoY
|
$319.1M
+8.0% YoY
|
$494.3M
+9.1% YoY
|
64% |
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| ROA |
0.0%
-98.2% YoY-115.8% QoQ
|
-0.1% |
0.1%
-77.6% YoY
|
0.6%
-5.0% YoY
|
0.4%
-39.2% YoY
|
23% |
| NIM |
3.7%
+7.3% YoY-4.3% QoQ
|
-0.3% |
4.0%
+4.0% YoY
|
3.9%
+5.1% YoY
|
3.8%
+4.1% YoY
|
46% |
| Efficiency Ratio |
91.0%
+363.8% YoY+24.6% QoQ
|
+0.3% |
90.6%
+6.5% YoY
|
79.6%
+1.7% YoY
|
84.6%
+2.8% YoY
|
71% |
| Delinquency Rate |
2.3%
-41.4% YoY+21.8% QoQ
|
+0.8 |
1.5%
+3.8% YoY
|
0.9%
-14.5% YoY
|
1.2%
+3.4% YoY
|
84% |
| Loan To Share |
61.1%
-13.8% YoY-5.1% QoQ
|
+2.6% |
58.5%
-3.0% YoY
|
68.3%
-1.5% YoY
|
65.6%
-1.4% YoY
|
54% |
| AMR |
$23,469
-8.0% YoY-0.2% QoQ
|
+$9K |
$14,884
-1.7% YoY
|
$18,957
+3.0% YoY
|
$19,920
+1.6% YoY
|
Top 11.4% in tier |
| CD Concentration |
36.8%
+2.3% YoY-3.8% QoQ
|
+12.5% | 24.3% | 22.3% | 19.8% | 50% |
| Indirect Auto % |
19.5%
-23.1% YoY-5.2% QoQ
|
+5.7% | 13.8% | 6.8% | 7.7% | 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)