BlastPoint's Credit Union Scorecard
EPB EMPLOYEES
Charter #60619 · TN
EPB EMPLOYEES has 1 strength but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.20% above tier average
Key Concerns
Areas that may need attention
- - Delinquency rate 3.42% above tier average
- - Total Delinquency Rate (60+ days): Bottom 6.1% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,486
-1.0% YoY+0.1% QoQ
|
-190 |
2,676
+1.6% YoY
|
21,412
+3.7% YoY
|
33,913
+5.7% YoY
|
60% |
| Assets |
$39.0M
-0.3% YoY-2.7% QoQ
|
+$8.8M |
$30.2M
+1.3% YoY
|
$379.6M
+8.7% YoY
|
$578.3M
+9.0% YoY
|
68% |
| Loans |
$15.6M
-4.0% YoY-4.4% QoQ
|
+$286K |
$15.3M
-2.0% YoY
|
$279.0M
+7.7% YoY
|
$402.4M
+8.7% YoY
|
63% |
| Deposits |
$35.0M
+0.4% YoY-1.5% QoQ
|
+$9.2M |
$25.8M
+0.7% YoY
|
$319.1M
+8.0% YoY
|
$494.3M
+9.1% YoY
|
70% |
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| ROA |
0.3%
+369.8% YoY+30.3% QoQ
|
+0.2% |
0.1%
-77.6% YoY
|
0.6%
-5.0% YoY
|
0.4%
-39.2% YoY
|
37% |
| NIM |
3.1%
+13.3% YoY+2.3% QoQ
|
-0.9% |
4.0%
+4.0% YoY
|
3.9%
+5.1% YoY
|
3.8%
+4.1% YoY
|
21% |
| Efficiency Ratio |
81.2%
-8.0% YoY+0.3% QoQ
|
-9.5% |
90.6%
+6.5% YoY
|
79.6%
+1.7% YoY
|
84.6%
+2.8% YoY
|
49% |
| Delinquency Rate |
4.9%
+57.4% YoY+55.7% QoQ
|
+3.4 |
1.5%
+3.8% YoY
|
0.9%
-14.5% YoY
|
1.2%
+3.4% YoY
|
Bottom 6.1% in tier |
| Loan To Share |
44.5%
-4.4% YoY-3.0% QoQ
|
-14.0% |
58.5%
-3.0% YoY
|
68.3%
-1.5% YoY
|
65.6%
-1.4% YoY
|
28% |
| AMR |
$20,333
-0.0% YoY-2.6% QoQ
|
+$5K |
$14,884
-1.7% YoY
|
$18,957
+3.0% YoY
|
$19,920
+1.6% YoY
|
79% |
| CD Concentration |
25.5%
+9.9% YoY+4.1% QoQ
|
+1.2% | 24.3% | 22.3% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 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)