BlastPoint's Credit Union Scorecard
GALLATIN STEAM PLANT
Charter #63868 · TN
GALLATIN STEAM PLANT demonstrates 1 strength
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.27% above tier average
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
635
+0.5% YoY+0.3% QoQ
|
-2.0K |
2,676
+1.6% YoY
|
21,412
+3.7% YoY
|
33,913
+5.7% YoY
|
17% |
| Assets |
$7.8M
+0.7% YoY+3.2% QoQ
|
$-22.4M |
$30.2M
+1.3% YoY
|
$379.6M
+8.7% YoY
|
$578.3M
+9.0% YoY
|
27% |
| Loans |
$4.4M
-9.3% YoY-5.0% QoQ
|
$-10.9M |
$15.3M
-2.0% YoY
|
$279.0M
+7.7% YoY
|
$402.4M
+8.7% YoY
|
31% |
| Deposits |
$6.4M
-1.0% YoY+3.6% QoQ
|
$-19.4M |
$25.8M
+0.7% YoY
|
$319.1M
+8.0% YoY
|
$494.3M
+9.1% YoY
|
27% |
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| ROA |
1.4%
-5.3% YoY-7.2% QoQ
|
+1.3% |
0.1%
-77.6% YoY
|
0.6%
-5.0% YoY
|
0.4%
-39.2% YoY
|
83% |
| NIM |
3.8%
-3.3% YoY-4.6% QoQ
|
-0.2% |
4.0%
+4.0% YoY
|
3.9%
+5.1% YoY
|
3.8%
+4.1% YoY
|
48% |
| Efficiency Ratio |
64.0%
+1.9% YoY+1.7% QoQ
|
-26.7% |
90.6%
+6.5% YoY
|
79.6%
+1.7% YoY
|
84.6%
+2.8% YoY
|
16% |
| Delinquency Rate |
0.0%
-92.1% YoY-98.4% QoQ
|
-1.5 |
1.5%
+3.8% YoY
|
0.9%
-14.5% YoY
|
1.2%
+3.4% YoY
|
Top 14.4% in tier |
| Loan To Share |
68.0%
-8.4% YoY-8.3% QoQ
|
+9.4% |
58.5%
-3.0% YoY
|
68.3%
-1.5% YoY
|
65.6%
-1.4% YoY
|
64% |
| AMR |
$16,958
-5.0% YoY-0.4% QoQ
|
+$2K |
$14,884
-1.7% YoY
|
$18,957
+3.0% YoY
|
$19,920
+1.6% YoY
|
65% |
| CD Concentration |
31.6%
+9.0% YoY+7.7% QoQ
|
+7.3% | 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)