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 0.92% above tier average
Key Concerns
Areas that may need attention
- - ROA 0.96% below tier average
- - Efficiency ratio 22.99% above tier (higher cost structure)
- - Member decline: -2.1% YoY
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,276
-2.1% YoY-0.4% QoQ
|
-1.4K |
2,676
+1.6% YoY
|
21,412
+3.7% YoY
|
33,913
+5.7% YoY
|
35% |
| Assets |
$6.9M
-1.2% YoY-3.6% QoQ
|
$-23.3M |
$30.2M
+1.3% YoY
|
$379.6M
+8.7% YoY
|
$578.3M
+9.0% YoY
|
25% |
| Loans |
$3.4M
-13.6% YoY-8.0% QoQ
|
$-11.9M |
$15.3M
-2.0% YoY
|
$279.0M
+7.7% YoY
|
$402.4M
+8.7% YoY
|
26% |
| Deposits |
$5.9M
-1.3% YoY-3.7% QoQ
|
$-19.9M |
$25.8M
+0.7% YoY
|
$319.1M
+8.0% YoY
|
$494.3M
+9.1% YoY
|
25% |
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| ROA |
-0.8%
+316.7% YoY
|
-1.0% |
0.1%
-77.6% YoY
|
0.6%
-5.0% YoY
|
0.4%
-39.2% YoY
|
Bottom 9.6% in tier |
| NIM |
4.9%
+5.3% YoY+0.9% QoQ
|
+0.9% |
4.0%
+4.0% YoY
|
3.9%
+5.1% YoY
|
3.8%
+4.1% YoY
|
Top 12.8% in tier |
| Efficiency Ratio |
113.6%
+9.9% YoY+14.5% QoQ
|
+23.0% |
90.6%
+6.5% YoY
|
79.6%
+1.7% YoY
|
84.6%
+2.8% YoY
|
Bottom 8.0% in tier |
| Delinquency Rate |
0.2%
-67.0% YoY-5.7% QoQ
|
-1.3 |
1.5%
+3.8% YoY
|
0.9%
-14.5% YoY
|
1.2%
+3.4% YoY
|
31% |
| Loan To Share |
57.5%
-12.4% YoY-4.5% QoQ
|
-1.0% |
58.5%
-3.0% YoY
|
68.3%
-1.5% YoY
|
65.6%
-1.4% YoY
|
49% |
| AMR |
$7,233
-4.2% YoY-5.0% QoQ
|
$-8K |
$14,884
-1.7% YoY
|
$18,957
+3.0% YoY
|
$19,920
+1.6% YoY
|
16% |
| CD Concentration |
0.9%
-5.1% YoY-3.1% QoQ
|
-23.4% | 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)