BlastPoint's Credit Union Scorecard
LEADERS CREDIT UNION
Charter #61185 · TN
LEADERS CREDIT UNION has 9 strengths but faces 5 concerns
How does the industry compare?
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How does TN stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Emerging Performer: Top 0.0% in tier
- + Organic Growth Engine: Top 5.3% in tier
- + ROA 0.68% above tier average
- + Net Interest Margin 0.04% above tier average
- + Strong member growth: 11.7% YoY
- + Fee Income Per Member: Top 3.6% in tier
- + Member Growth Rate: Top 4.0% in tier
- + Asset Growth Rate: Top 7.3% in tier
- + Deposit Growth Rate: Top 7.3% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 9.7% in tier
- - Liquidity Strain: Bottom 18.2% in tier
- - Credit Risk Growth: Bottom 28.8% in tier
- - Credit Quality Pressure: Bottom 56.2% in tier
- - Indirect Auto Concentration (%): Bottom 6.0% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
88,214
+11.7% YoY+1.4% QoQ
|
-9.2K |
97,431
-2.4% YoY
|
21,265
+4.5% YoY
|
33,374
+5.7% YoY
|
52% |
| Assets |
$1.3B
+12.9% YoY+1.4% QoQ
|
$-433.2M |
$1.7B
+0.9% YoY
|
$372.5M
+10.3% YoY
|
$561.6M
+9.7% YoY
|
30% |
| Loans |
$1.1B
+10.4% YoY+0.9% QoQ
|
$-140.1M |
$1.2B
+0.5% YoY
|
$275.7M
+8.6% YoY
|
$397.0M
+8.8% YoY
|
48% |
| Deposits |
$1.1B
+13.8% YoY+3.8% QoQ
|
$-355.2M |
$1.5B
+0.9% YoY
|
$312.1M
+9.5% YoY
|
$477.3M
+9.7% YoY
|
30% |
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| ROA |
1.4%
-1.9% YoY-4.1% QoQ
|
+0.7% |
0.7%
+20.9% YoY
|
0.7%
-5.8% YoY
|
0.7%
+15.9% YoY
|
Top 7.3% in tier |
| NIM |
3.3%
+7.1% YoY+1.3% QoQ
|
+0.0% |
3.3%
+9.2% YoY
|
3.8%
+3.7% YoY
|
3.8%
+5.1% YoY
|
51% |
| Efficiency Ratio |
66.5%
+0.1% YoY+2.3% QoQ
|
-7.5% |
74.1%
-9.5% YoY
|
79.4%
+2.9% YoY
|
79.7%
-3.3% YoY
|
22% |
| Delinquency Rate |
0.8%
+16.2% YoY+27.0% QoQ
|
-0.1 |
0.9%
+6.2% YoY
|
1.1%
-12.6% YoY
|
1.3%
-2.1% YoY
|
52% |
| Loan To Share |
99.1%
-3.0% YoY-2.9% QoQ
|
+14.3% |
84.8%
-0.8% YoY
|
70.0%
-2.2% YoY
|
67.4%
-1.7% YoY
|
Top 14.6% in tier |
| AMR |
$24,921
+0.3% YoY+1.0% QoQ
|
$-5K |
$29,428
+2.4% YoY
|
$18,770
+3.9% YoY
|
$19,687
+2.0% YoY
|
31% |
| CD Concentration |
32.0%
-10.8% YoY-0.5% QoQ
|
+3.0% | 29.0% | 22.4% | 19.8% | 66% |
| Indirect Auto % |
47.5%
+5.1% YoY+0.3% QoQ
|
+29.2% | 18.3% | 6.7% | 7.8% | Top 5.9% in tier |
Signature Analysis
Strengths (2)
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.
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)