BlastPoint's Credit Union Scorecard
MEMORIAL
Charter #63802 · TN
MEMORIAL has 1 strength but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.93% above tier average
Key Concerns
Areas that may need attention
- - ROA 0.58% below tier average
- - Efficiency ratio 16.69% above tier (higher cost structure)
- - Member decline: -2.6% YoY
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,281
-2.6% YoY-0.5% QoQ
|
-1.3K |
2,615
-1.9% YoY
|
21,265
+4.5% YoY
|
33,374
+5.7% YoY
|
35% |
| Assets |
$7.1M
+1.4% YoY+2.3% QoQ
|
$-23.0M |
$30.1M
+2.1% YoY
|
$372.5M
+10.3% YoY
|
$561.6M
+9.7% YoY
|
25% |
| Loans |
$3.7M
-10.4% YoY-3.5% QoQ
|
$-12.1M |
$15.8M
-1.3% YoY
|
$275.7M
+8.6% YoY
|
$397.0M
+8.8% YoY
|
27% |
| Deposits |
$6.1M
+1.5% YoY+2.7% QoQ
|
$-19.6M |
$25.7M
+1.4% YoY
|
$312.1M
+9.5% YoY
|
$477.3M
+9.7% YoY
|
26% |
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| ROA |
0.0%
-110.9% YoY-152.7% QoQ
|
-0.6% |
0.6%
+10.8% YoY
|
0.7%
-5.8% YoY
|
0.7%
+15.9% YoY
|
18% |
| NIM |
4.9%
+8.7% YoY+0.9% QoQ
|
+0.9% |
4.0%
+4.0% YoY
|
3.8%
+3.7% YoY
|
3.8%
+5.1% YoY
|
83% |
| Efficiency Ratio |
99.2%
-1.9% YoY-2.2% QoQ
|
+16.7% |
82.6%
-2.3% YoY
|
79.4%
+2.9% YoY
|
79.7%
-3.3% YoY
|
Bottom 11.9% in tier |
| Delinquency Rate |
0.3%
-44.1% YoY-77.4% QoQ
|
-1.3 |
1.6%
-3.1% YoY
|
1.1%
-12.6% YoY
|
1.3%
-2.1% YoY
|
30% |
| Loan To Share |
60.2%
-11.7% YoY-6.0% QoQ
|
-0.4% |
60.6%
-3.1% YoY
|
70.0%
-2.2% YoY
|
67.4%
-1.7% YoY
|
49% |
| AMR |
$7,611
-0.7% YoY+0.8% QoQ
|
$-7K |
$14,783
-1.4% YoY
|
$18,770
+3.9% YoY
|
$19,687
+2.0% YoY
|
18% |
| CD Concentration |
0.9%
-0.9% YoY-2.5% QoQ
|
-23.5% | 24.4% | 22.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 6.7% | 7.8% | 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)