BlastPoint's Credit Union Scorecard
THE WEST TENNESSEE
Charter #60726 · TN
THE WEST TENNESSEE demonstrates 2 strengths
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.59% above tier average
- + Net Charge-Off Rate: Top 8.6% in tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,641
-0.1% YoY-2.5% QoQ
|
-1.0K |
2,676
+1.6% YoY
|
21,412
+3.7% YoY
|
33,913
+5.7% YoY
|
44% |
| Assets |
$18.5M
-1.7% YoY+0.6% QoQ
|
$-11.6M |
$30.2M
+1.3% YoY
|
$379.6M
+8.7% YoY
|
$578.3M
+9.0% YoY
|
46% |
| Loans |
$12.8M
-14.7% YoY-7.0% QoQ
|
$-2.5M |
$15.3M
-2.0% YoY
|
$279.0M
+7.7% YoY
|
$402.4M
+8.7% YoY
|
58% |
| Deposits |
$16.5M
-2.0% YoY+4.2% QoQ
|
$-9.3M |
$25.8M
+0.7% YoY
|
$319.1M
+8.0% YoY
|
$494.3M
+9.1% YoY
|
47% |
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 |
0.7%
-33.4% YoY+244.2% QoQ
|
+0.6% |
0.1%
-77.6% YoY
|
0.6%
-5.0% YoY
|
0.4%
-39.2% YoY
|
57% |
| NIM |
3.8%
-12.3% YoY-10.3% QoQ
|
-0.2% |
4.0%
+4.0% YoY
|
3.9%
+5.1% YoY
|
3.8%
+4.1% YoY
|
51% |
| Efficiency Ratio |
82.0%
+24.2% YoY+23.8% QoQ
|
-8.7% |
90.6%
+6.5% YoY
|
79.6%
+1.7% YoY
|
84.6%
+2.8% YoY
|
51% |
| Delinquency Rate |
0.9%
-45.9% YoY+19.0% QoQ
|
-0.6 |
1.5%
+3.8% YoY
|
0.9%
-14.5% YoY
|
1.2%
+3.4% YoY
|
61% |
| Loan To Share |
77.7%
-13.0% YoY-10.7% QoQ
|
+19.2% |
58.5%
-3.0% YoY
|
68.3%
-1.5% YoY
|
65.6%
-1.4% YoY
|
79% |
| AMR |
$17,832
-7.9% YoY+1.5% QoQ
|
+$3K |
$14,884
-1.7% YoY
|
$18,957
+3.0% YoY
|
$19,920
+1.6% YoY
|
69% |
| CD Concentration |
17.9%
+14.7% YoY+14.0% QoQ
|
-6.4% | 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)