BlastPoint's Credit Union Scorecard

MEMPHIS CITY EMPLOYEES

Charter #60239 · TN

Community 500M-750M

167 CUs in 500M-750M nationally 5 in TN

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MEMPHIS CITY EMPLOYEES has 3 strengths but faces 8 concerns

National Analysis

How does the industry compare?

Community Tier

What's your peer group doing?

TN Analysis

How does TN stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Net Interest Margin 0.05% above tier average
+ Net Worth Ratio: Top 8.4% in tier
+ Members Per Employee (MPE): Top 9.6% in tier

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 44.0% in tier
- Credit Risk Growth: Bottom 65.7% in tier
- Membership Headwinds: Bottom 74.9% in tier
- Stagnation Risk: Bottom 74.9% in tier
- ROA 0.08% below tier average
- Member decline: -2.2% YoY
- Total Assets: Bottom 1.2% in tier
- Total Deposits: Bottom 2.4% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (TN)	National Avg	Tier Percentile
Members	44,001 -2.2% YoY-0.0% QoQ	+5.9K	38,079 -4.8% YoY	21,412 +3.7% YoY	33,913 +5.7% YoY	74%
Assets	$500.7M +4.0% YoY+0.8% QoQ	$-119.0M	$619.7M -0.2% YoY	$379.6M +8.7% YoY	$578.3M +9.0% YoY	Bottom 0.6% in tier
Loans	$262.6M +0.5% YoY-1.8% QoQ	$-156.7M	$419.3M -1.4% YoY	$279.0M +7.7% YoY	$402.4M +8.7% YoY	Bottom 6.0% in tier
Deposits	$421.4M +3.3% YoY+1.4% QoQ	$-118.0M	$539.5M -0.1% YoY	$319.1M +8.0% YoY	$494.3M +9.1% YoY	Bottom 1.8% in tier

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.6% +18.7% YoY+18.6% QoQ	-0.1%	0.7% +36.0% YoY	0.6% -5.0% YoY	0.4% -39.2% YoY	48%
NIM	3.5% +8.3% YoY+6.1% QoQ	+0.1%	3.5% +4.5% YoY	3.9% +5.1% YoY	3.8% +4.1% YoY	55%
Efficiency Ratio	74.2% -6.8% YoY-7.2% QoQ	-4.2%	78.4% -3.7% YoY	79.6% +1.7% YoY	84.6% +2.8% YoY	27%
Delinquency Rate	0.5% +10.2% YoY-12.4% QoQ	-0.2	0.7% -0.9% YoY	0.9% -14.5% YoY	1.2% +3.4% YoY	42%
Loan To Share	62.3% -2.7% YoY-3.1% QoQ	-15.4%	77.7% -1.2% YoY	68.3% -1.5% YoY	65.6% -1.4% YoY	Bottom 12.0% in tier
AMR	$15,546 +4.5% YoY+0.1% QoQ	$-11K	$26,927 +3.1% YoY	$18,957 +3.0% YoY	$19,920 +1.6% YoY	Bottom 1.8% in tier
CD Concentration	16.9% +10.9% YoY-1.5% QoQ	-7.4%	24.3%	22.3%	19.8%	24%
Indirect Auto %	0.0%	-13.8%	13.8%	6.8%	7.7%	Top 0.1% in tier

Signature Analysis

Strengths (0)

No strengths identified

Concerns (4)

Membership Headwinds

decline

#336 of 570 • Bottom 74.9% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -2.20%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

676 nationally

→ No prior data (570 CUs now) | New qualifier

Stagnation Risk

risk

#344 of 570 • Bottom 74.9% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -2.20%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): 0.50%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

Delinquency Rate: 0.54%

(Tier: 0.76%, National: 1.19%)

but better than tier avg

676 nationally

→ No prior data (570 CUs now) | New qualifier

Credit Quality Pressure

risk

#587 of 727 • Bottom 44.0% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.05% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

1013 nationally

↓ Shrinking -60 CUs YoY | Rank worsening

Credit Risk Growth

risk

#463 of 476 • Bottom 65.7% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 0.50%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

Delinquency Change (YoY): 0.05% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

710 nationally

→ No prior data (476 CUs now) | New qualifier

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)

Compare against:

Comparing against 167 peers in tier

Top Strengths (5 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 10.91%

#1 of 167 Top 0.1% in 500M-750M tier

Net Worth Ratio

risk

Value: 14.40%

Peer Median: 10.35%

#15 of 167 Top 8.4% in 500M-750M tier

Members Per Employee (MPE)

engagement

Value: 440.010

Peer Median: 318.730

#17 of 167 Top 9.6% in 500M-750M tier

Fee Income Per Member

profitability

Value: $288.87

Peer Median: $178.80

#19 of 167 Top 10.8% in 500M-750M tier

Share Certificate Concentration (%)

balance_sheet

Value: 16.86%

Peer Median: 26.29%

#23 of 167 Top 13.2% in 500M-750M tier

Top Weaknesses (8 metrics)

166

Total Assets

balance_sheet

Value: $500.70M

Peer Median: $619.16M

#166 of 167 Bottom 1.2% in 500M-750M tier

164

Total Deposits

balance_sheet

Value: $421.44M

Peer Median: $543.36M

#164 of 167 Bottom 2.4% in 500M-750M tier

164

Average Member Relationship (AMR)

engagement

Value: $15,546

Peer Median: $25,600

#164 of 167 Bottom 2.4% in 500M-750M tier

164

Loan-to-Member Ratio (LMR)

engagement

Value: $5,968

Peer Median: $11,231

#164 of 167 Bottom 2.4% in 500M-750M tier

157

Total Loans

balance_sheet

Value: $262.59M

Peer Median: $427.27M

#157 of 167 Bottom 6.6% in 500M-750M tier

147

Loan-to-Share Ratio

balance_sheet

Value: 62.31%

Peer Median: 79.97%

#147 of 167 Bottom 12.6% in 500M-750M tier

131

Member Growth Rate

growth

Value: -2.20%

Peer Median: 1.03%

#131 of 167 Bottom 22.2% in 500M-750M tier

130

First Mortgage Concentration (%)

balance_sheet

Value: 45.92%

Peer Median: 32.87%

#130 of 167 Bottom 22.8% in 500M-750M tier