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 8.7% in tier
Key Concerns
Areas that may need attention
- - ROA 1.46% below tier average
- - Efficiency ratio 0.29% above tier (higher cost structure)
- - Delinquency rate 1.38% above tier average
- - Member decline: -10.0% YoY
- - Asset Growth Rate: Bottom 4.1% in tier
- - Deposit Growth Rate: Bottom 4.8% in tier
- - Loan Growth Rate: Bottom 5.5% in tier
- - Indirect Auto Concentration (%): Bottom 6.0% 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 2,437 credit unions with under $100M in assets nationally, and 1 of 84 that size in Tennessee.
- Shares and deposits -12.4% year over year ($29.3M in shares and deposits).
- Membership: 2,025 members, -10.0% vs a year ago.
- Delinquency rate 2.92%.
- Return on assets 0.03%.
- Efficiency ratio 89.06% vs a 88.77% peer average.
- Loan-to-share ratio 59.81% vs a 58.89% 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 |
2,025
-10.0% YoY-2.1% QoQ
|
-560 |
2,585
-1.7% YoY
|
22,058
+4.8% YoY
|
34,678
+6.6% YoY
|
52% |
| Assets |
$33.0M
-11.3% YoY-2.3% QoQ
|
+$2.8M |
$30.3M
+1.5% YoY
|
$390.3M
+9.5% YoY
|
$593.1M
+10.2% YoY
|
62% |
| Loans |
$17.5M
-21.5% YoY-4.8% QoQ
|
+$2.1M |
$15.5M
-1.7% YoY
|
$289.3M
+8.5% YoY
|
$418.6M
+10.1% YoY
|
66% |
| Deposits |
$29.3M
-12.4% YoY-2.8% QoQ
|
+$3.5M |
$25.8M
+1.1% YoY
|
$326.4M
+8.9% YoY
|
$504.8M
+10.3% YoY
|
64% |
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| ROA |
0.0%
-79.6% YoY
|
-1.5% |
1.5%
+241.5% YoY
|
1.1%
+46.9% YoY
|
1.2%
+121.4% YoY
|
Bottom 2.4% in tier |
| NIM |
3.8%
+10.7% YoY+2.2% QoQ
|
-0.1% |
3.9%
+0.9% YoY
|
3.9%
+2.1% YoY
|
3.8%
+2.3% YoY
|
47% |
| Efficiency Ratio |
89.1%
+50.2% YoY-2.1% QoQ
|
+0.3% |
88.8%
-6.9% YoY
|
78.9%
+2.6% YoY
|
83.0%
-5.3% YoY
|
70% |
| Delinquency Rate |
2.9%
-32.5% YoY+25.1% QoQ
|
+1.4 |
1.5%
+2.1% YoY
|
1.1%
-1.7% YoY
|
1.3%
+2.6% YoY
|
Bottom 13.5% in tier |
| Loan To Share |
59.8%
-10.4% YoY-2.1% QoQ
|
+0.9% |
58.9%
-3.1% YoY
|
68.7%
-1.7% YoY
|
66.4%
-1.4% YoY
|
51% |
| AMR |
$23,125
-6.7% YoY-1.5% QoQ
|
+$8K |
$14,963
-6.8% YoY
|
$19,228
+3.5% YoY
|
$20,028
-0.9% YoY
|
Top 12.7% in tier |
| CD Concentration |
34.6%
-8.3% YoY-6.0% QoQ
|
+10.0% | 24.6% | 22.4% | 20.0% | 50% |
| Indirect Auto % |
17.6%
-26.1% YoY-9.6% QoQ
|
+4.0% | 13.6% | 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)