BlastPoint's Credit Union Scorecard
TSU
Charter #6667 · TN
2596 CUs in <100M nationally
88 in TN
TSU has 7 strengths but faces 12 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.14% above tier average
- + Net Interest Margin 0.91% above tier average
- + Total Delinquency Rate (60+ days): Top 0.0% in tier
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Net Charge-Off Rate: Top 1.9% in tier
Key Concerns
Areas that may need attention
- - Efficiency ratio 9.46% above tier (higher cost structure)
- - Member decline: -17.3% YoY
- - Member Growth Rate: Bottom 2.2% in tier
- - Loan Growth Rate: Bottom 4.7% in tier
- - Deposit Growth Rate: Bottom 4.8% in tier
- - Asset Growth Rate: Bottom 4.8% in tier
- - Total Loans: Bottom 6.0% in tier
- - Total Assets: Bottom 6.1% in tier
- - Loan-to-Member Ratio (LMR): Bottom 6.3% in tier
- - Average Member Relationship (AMR): Bottom 6.5% in tier
- - Total Deposits: Bottom 7.1% in tier
- - Total Members: Bottom 8.7% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
326
-17.3% YoY-10.9% QoQ
|
-2.3K |
2,625
-2.2% YoY
|
21,139
+4.9% YoY
|
33,089
+6.1% YoY
|
Bottom 8.7% in tier |
| Assets |
$1.1M
-10.7% YoY-7.8% QoQ
|
$-28.8M |
$29.9M
+1.1% YoY
|
$362.5M
+9.5% YoY
|
$547.7M
+7.8% YoY
|
Bottom 6.0% in tier |
| Loans |
$357,619
-22.6% YoY-5.5% QoQ
|
$-15.4M |
$15.8M
-2.4% YoY
|
$271.1M
+9.1% YoY
|
$388.7M
+8.6% YoY
|
Bottom 6.0% in tier |
| Deposits |
$952,320
-12.6% YoY-9.7% QoQ
|
$-24.5M |
$25.5M
+0.4% YoY
|
$303.0M
+8.7% YoY
|
$464.6M
+9.3% YoY
|
Bottom 7.1% in tier |
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| ROA |
0.8%
-205.3% YoY-271.9% QoQ
|
+0.1% |
0.7%
-731.4% YoY
|
0.8%
+4.1% YoY
|
0.7%
+273.4% YoY
|
53% |
| NIM |
4.8%
-16.8% YoY+5.1% QoQ
|
+0.9% |
3.9%
+3.8% YoY
|
3.8%
+5.1% YoY
|
3.7%
+5.0% YoY
|
83% |
| Efficiency Ratio |
90.9%
-16.7% YoY-25.1% QoQ
|
+9.5% |
81.4%
-2.4% YoY
|
75.4%
-1.8% YoY
|
79.1%
-3.3% YoY
|
78% |
| Delinquency Rate |
0.0%
-100.0% YoY-100.0% QoQ
|
-1.5 |
1.5%
-2.0% YoY
|
1.1%
+8.5% YoY
|
1.2%
-0.9% YoY
|
Bottom 0.0% in tier |
| Loan To Share |
37.6%
-11.5% YoY+4.6% QoQ
|
-23.7% |
61.2%
-3.0% YoY
|
70.4%
-2.4% YoY
|
68.0%
-1.7% YoY
|
16% |
| AMR |
$4,018
+2.1% YoY+2.7% QoQ
|
$-11K |
$14,627
-2.7% YoY
|
$18,470
+2.4% YoY
|
$19,418
+1.3% YoY
|
Bottom 6.5% in tier |
| CD Concentration | 0.0% | -24.4% |
24.4%
+4.2% YoY
|
22.3%
+6.6% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
6.9%
+1.1% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
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)
Top Strengths (6 metrics)
1
Total Delinquency Rate (60+ days)
risk
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
51
Net Charge-Off Rate
risk
Value:
-0.29%
Peer Avg: -
#51 of 2596
Top 1.9% in <100M tier
452
Net Interest Margin (NIM)
profitability
Value:
4.85%
Peer Avg: -
#452 of 2596
Top 17.4% in <100M tier
Top Weaknesses (15 metrics)
2539
Member Growth Rate
growth
Value:
-17.26%
Peer Avg: -
#2539 of 2596
Bottom 2.2% in <100M tier
2474
Loan Growth Rate
growth
Value:
-22.62%
Peer Avg: -
#2474 of 2596
Bottom 4.7% in <100M tier
2473
Deposit Growth Rate
growth
Value:
-12.56%
Peer Avg: -
#2473 of 2596
Bottom 4.8% in <100M tier
2472
Asset Growth Rate
growth
Value:
-10.70%
Peer Avg: -
#2472 of 2596
Bottom 4.8% in <100M tier
2441
Total Loans
balance_sheet
Value:
$357,619
Peer Avg: -
#2441 of 2596
Bottom 6.0% in <100M tier
2439
Total Assets
balance_sheet
Value:
$1.06M
Peer Avg: -
#2439 of 2596
Bottom 6.1% in <100M tier
2434
Loan-to-Member Ratio (LMR)
engagement
Value:
$1,097
Peer Avg: -
#2434 of 2596
Bottom 6.3% in <100M tier
2428
Average Member Relationship (AMR)
engagement
Value:
$4,018
Peer Avg: -
#2428 of 2596
Bottom 6.5% in <100M tier
2412
Total Deposits
balance_sheet
Value:
$952,320
Peer Avg: -
#2412 of 2596
Bottom 7.1% in <100M tier
2370
Total Members
engagement
Value:
326
Peer Avg: -
#2370 of 2596
Bottom 8.7% in <100M tier