BlastPoint's Credit Union Scorecard
PATRIOT EQUITY
Charter #60082 · TN
PATRIOT EQUITY faces 8 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 0.83% below tier average
- - Delinquency rate 0.36% above tier average
- - Member decline: -10.7% YoY
- - Loan Growth Rate: Bottom 3.3% in tier
- - Net Charge-Off Rate: Bottom 3.5% in tier
- - Member Growth Rate: Bottom 4.9% in tier
- - Indirect Auto Concentration (%): Bottom 5.5% in tier
- - Asset Growth Rate: Bottom 5.9% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,126
-10.7% YoY-3.7% QoQ
|
-489 |
2,615
-1.9% YoY
|
21,265
+4.5% YoY
|
33,374
+5.7% YoY
|
53% |
| Assets |
$34.1M
-9.1% YoY+1.8% QoQ
|
+$3.9M |
$30.1M
+2.1% YoY
|
$372.5M
+10.3% YoY
|
$561.6M
+9.7% YoY
|
64% |
| Loans |
$19.6M
-25.4% YoY-4.9% QoQ
|
+$3.8M |
$15.8M
-1.3% YoY
|
$275.7M
+8.6% YoY
|
$397.0M
+8.8% YoY
|
69% |
| Deposits |
$30.4M
-10.0% YoY+2.3% QoQ
|
+$4.7M |
$25.7M
+1.4% YoY
|
$312.1M
+9.5% YoY
|
$477.3M
+9.7% YoY
|
66% |
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%
-86.8% YoY+3.6% QoQ
|
-0.8% |
0.6%
+10.8% YoY
|
0.7%
-5.8% YoY
|
0.7%
+15.9% YoY
|
Bottom 12.3% in tier |
| NIM |
3.9%
-2.1% YoY+3.2% QoQ
|
+0.0% |
4.0%
+4.0% YoY
|
3.8%
+3.7% YoY
|
3.8%
+5.1% YoY
|
50% |
| Efficiency Ratio |
73.0%
-19.2% YoY+5.4% QoQ
|
-9.6% |
82.6%
-2.3% YoY
|
79.4%
+2.9% YoY
|
79.7%
-3.3% YoY
|
34% |
| Delinquency Rate |
1.9%
-41.3% YoY-27.5% QoQ
|
+0.4 |
1.6%
-3.1% YoY
|
1.1%
-12.6% YoY
|
1.3%
-2.1% YoY
|
77% |
| Loan To Share |
64.4%
-17.1% YoY-7.0% QoQ
|
+3.7% |
60.6%
-3.1% YoY
|
70.0%
-2.2% YoY
|
67.4%
-1.7% YoY
|
55% |
| AMR |
$23,520
-6.8% YoY+3.1% QoQ
|
+$9K |
$14,783
-1.4% YoY
|
$18,770
+3.9% YoY
|
$19,687
+2.0% YoY
|
Top 10.9% in tier |
| CD Concentration |
38.3%
+4.9% YoY-1.1% QoQ
|
+13.9% | 24.4% | 22.4% | 19.8% | 50% |
| Indirect Auto % |
20.5%
-22.4% YoY-8.2% QoQ
|
+6.7% | 13.8% | 6.7% | 7.8% | 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)