BlastPoint's Credit Union Scorecard
LEADERS CREDIT UNION
Charter #61185 · TN
LEADERS CREDIT UNION has 5 strengths but faces 5 concerns
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How does TN stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Emerging Performer: Top 16.7% in tier
- + ROA 0.47% above tier average
- + Strong member growth: 9.6% YoY
- + Fee Income Per Member: Top 4.2% in tier
- + Member Growth Rate: Top 7.8% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 13.6% in tier
- - Indirect Auto Dependency: Bottom 14.5% in tier
- - Credit Risk Growth: Bottom 18.2% in tier
- - Credit Quality Pressure: Bottom 41.3% in tier
- - Indirect Auto Concentration (%): Bottom 6.2% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
90,743
+9.6% YoY+2.9% QoQ
|
-5.3K |
96,048
-2.7% YoY
|
21,412
+3.7% YoY
|
33,913
+5.7% YoY
|
55% |
| Assets |
$1.3B
+10.9% YoY+1.8% QoQ
|
$-406.4M |
$1.7B
+0.4% YoY
|
$379.6M
+8.7% YoY
|
$578.3M
+9.0% YoY
|
32% |
| Loans |
$1.1B
+11.4% YoY+3.7% QoQ
|
$-78.9M |
$1.2B
+0.2% YoY
|
$279.0M
+7.7% YoY
|
$402.4M
+8.7% YoY
|
54% |
| Deposits |
$1.1B
+12.9% YoY+3.6% QoQ
|
$-321.2M |
$1.5B
+0.5% YoY
|
$319.1M
+8.0% YoY
|
$494.3M
+9.1% YoY
|
34% |
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| ROA |
1.2%
+3.2% YoY-13.2% QoQ
|
+0.5% |
0.7%
+27.6% YoY
|
0.6%
-5.0% YoY
|
0.4%
-39.2% YoY
|
84% |
| NIM |
3.3%
+6.4% YoY+0.9% QoQ
|
+0.0% |
3.4%
+6.2% YoY
|
3.9%
+5.1% YoY
|
3.8%
+4.1% YoY
|
47% |
| Efficiency Ratio |
67.7%
-0.5% YoY+1.7% QoQ
|
-6.9% |
74.6%
-3.0% YoY
|
79.6%
+1.7% YoY
|
84.6%
+2.8% YoY
|
22% |
| Delinquency Rate |
0.6%
+11.0% YoY-21.8% QoQ
|
-0.1 |
0.8%
+6.9% YoY
|
0.9%
-14.5% YoY
|
1.2%
+3.4% YoY
|
48% |
| Loan To Share |
99.2%
-1.3% YoY+0.1% QoQ
|
+16.0% |
83.2%
-0.4% YoY
|
68.3%
-1.5% YoY
|
65.6%
-1.4% YoY
|
Top 11.8% in tier |
| AMR |
$25,117
+2.3% YoY+0.8% QoQ
|
$-5K |
$29,652
+2.3% YoY
|
$18,957
+3.0% YoY
|
$19,920
+1.6% YoY
|
32% |
| CD Concentration |
30.9%
-7.4% YoY-3.5% QoQ
|
+2.1% | 28.8% | 22.3% | 19.8% | 61% |
| Indirect Auto % |
47.8%
+2.8% YoY+0.6% QoQ
|
+29.7% | 18.1% | 6.8% | 7.7% | Bottom 6.3% in tier |
Signature Analysis
Strengths (1)
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Concerns (4)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)