BlastPoint's Credit Union Scorecard
LEADERS CREDIT UNION
Charter #61185 · TN
LEADERS CREDIT UNION has 10 strengths but faces 3 concerns
How does the industry compare?
What's your peer group doing?
How does TN stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Emerging Performer: Top 1.4% in tier
- + Organic Growth Engine: Top 2.3% in tier
- + Profitability Leader: Top 30.8% in tier
- + ROA 0.72% above tier average
- + Net Interest Margin 0.00% above tier average
- + Strong member growth: 8.9% YoY
- + Fee Income Per Member: Top 3.6% in tier
- + Asset Growth Rate: Top 5.3% in tier
- + Member Growth Rate: Top 6.6% in tier
- + Deposit Growth Rate: Top 8.6% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 2.4% in tier
- - Liquidity Strain: Bottom 2.9% in tier
- - Indirect Auto Concentration (%): Bottom 5.9% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
87,038
+8.9% YoY+3.5% QoQ
|
-11.6K |
98,678
-1.9% YoY
|
21,139
+4.9% YoY
|
33,089
+6.1% YoY
|
49% |
| Assets |
$1.3B
+13.4% YoY+3.1% QoQ
|
$-446.8M |
$1.7B
+0.5% YoY
|
$362.5M
+9.5% YoY
|
$547.7M
+7.8% YoY
|
28% |
| Loans |
$1.1B
+11.6% YoY+1.3% QoQ
|
$-148.0M |
$1.2B
+0.5% YoY
|
$271.1M
+9.1% YoY
|
$388.7M
+8.6% YoY
|
48% |
| Deposits |
$1.1B
+13.0% YoY+3.2% QoQ
|
$-390.8M |
$1.5B
+1.3% YoY
|
$303.0M
+8.7% YoY
|
$464.6M
+9.3% YoY
|
28% |
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| ROA |
1.4%
+3.2% YoY-1.7% QoQ
|
+0.7% |
0.7%
+13.4% YoY
|
0.8%
+4.1% YoY
|
0.7%
+273.4% YoY
|
Top 7.9% in tier |
| NIM |
3.3%
+4.8% YoY+0.3% QoQ
|
+0.0% |
3.3%
+9.3% YoY
|
3.8%
+5.1% YoY
|
3.7%
+5.0% YoY
|
50% |
| Efficiency Ratio |
65.1%
-2.1% YoY+1.3% QoQ
|
-8.9% |
74.0%
-10.9% YoY
|
75.4%
-1.8% YoY
|
79.1%
-3.3% YoY
|
17% |
| Delinquency Rate |
0.6%
-7.4% YoY+21.8% QoQ
|
-0.2 |
0.8%
+6.1% YoY
|
1.1%
+8.5% YoY
|
1.2%
-0.9% YoY
|
43% |
| Loan To Share |
102.0%
-1.3% YoY-1.8% QoQ
|
+16.8% |
85.2%
-0.8% YoY
|
70.4%
-2.4% YoY
|
68.0%
-1.7% YoY
|
Top 10.5% in tier |
| AMR |
$24,685
+3.2% YoY-1.3% QoQ
|
$-4K |
$29,172
+2.8% YoY
|
$18,470
+2.4% YoY
|
$19,418
+1.3% YoY
|
33% |
| CD Concentration |
32.2%
-13.1% YoY-0.7% QoQ
|
+3.3% |
29.0%
+0.7% YoY
|
22.3%
+6.6% YoY
|
19.6%
+6.2% YoY
|
66% |
| Indirect Auto % |
47.3%
+4.3% YoY-0.8% QoQ
|
+28.5% |
18.8%
-3.0% YoY
|
6.9%
+1.1% YoY
|
7.9%
-2.9% YoY
|
Top 5.8% in tier |
Signature Analysis
Strengths (3)
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Profitability Leader
growthTop-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.
Concerns (2)
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.
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)