BlastPoint's Credit Union Scorecard
THE WEST TENNESSEE
Charter #60726 · TN
THE WEST TENNESSEE has 2 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.33% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - ROA 0.27% below tier average
- - Delinquency rate 0.24% above tier average
- - Member decline: -2.3% YoY
- - Net Charge-Off Rate: Bottom 9.7% in tier
- - Loan Growth Rate: Bottom 9.8% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,643
-2.3% YoY-0.1% QoQ
|
-982 |
2,625
-2.2% YoY
|
21,139
+4.9% YoY
|
33,089
+6.1% YoY
|
43% |
| Assets |
$18.1M
-2.1% YoY-1.6% QoQ
|
$-11.8M |
$29.9M
+1.1% YoY
|
$362.5M
+9.5% YoY
|
$547.7M
+7.8% YoY
|
46% |
| Loans |
$13.7M
-16.2% YoY-5.6% QoQ
|
$-2.0M |
$15.8M
-2.4% YoY
|
$271.1M
+9.1% YoY
|
$388.7M
+8.6% YoY
|
59% |
| Deposits |
$15.9M
+1.0% YoY-1.1% QoQ
|
$-9.5M |
$25.5M
+0.4% YoY
|
$303.0M
+8.7% YoY
|
$464.6M
+9.3% YoY
|
47% |
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| ROA |
0.4%
-65.9% YoY-45.0% QoQ
|
-0.3% |
0.7%
-731.4% YoY
|
0.8%
+4.1% YoY
|
0.7%
+273.4% YoY
|
32% |
| NIM |
4.3%
-1.1% YoY+1.9% QoQ
|
+0.3% |
3.9%
+3.8% YoY
|
3.8%
+5.1% YoY
|
3.7%
+5.0% YoY
|
65% |
| Efficiency Ratio |
59.2%
-14.8% YoY-17.8% QoQ
|
-22.2% |
81.4%
-2.4% YoY
|
75.4%
-1.8% YoY
|
79.1%
-3.3% YoY
|
Bottom 12.8% in tier |
| Delinquency Rate |
1.7%
+407.0% YoY-34.4% QoQ
|
+0.2 |
1.5%
-2.0% YoY
|
1.1%
+8.5% YoY
|
1.2%
-0.9% YoY
|
76% |
| Loan To Share |
86.2%
-17.0% YoY-4.5% QoQ
|
+25.0% |
61.2%
-3.0% YoY
|
70.4%
-2.4% YoY
|
68.0%
-1.7% YoY
|
85% |
| AMR |
$18,074
-5.7% YoY-3.1% QoQ
|
+$3K |
$14,627
-2.7% YoY
|
$18,470
+2.4% YoY
|
$19,418
+1.3% YoY
|
72% |
| CD Concentration |
15.6%
+30.6% YoY+1.2% QoQ
|
-8.8% |
24.4%
+4.2% YoY
|
22.3%
+6.6% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
6.9%
+1.1% YoY
|
7.9%
-2.9% YoY
|
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)