BlastPoint's Credit Union Scorecard

JACK DANIEL EMPLOYEES

Charter #67197 · TN

<100M

2508 CUs in <100M nationally 86 in TN

JACK DANIEL EMPLOYEES has 4 strengths but faces 1 concern

National Analysis

How does the industry compare?

TN Analysis

How does TN stack up?

Key Strengths

Areas where this CU excels compared to peers

+ ROA 1.12% above tier average
+ Loan-to-Member Ratio (LMR): Top 5.1% in tier
+ Average Member Relationship (AMR): Top 6.3% in tier
+ Member Growth Rate: Top 8.3% in tier

Key Concerns

Areas that may need attention

- Share Certificate Concentration (%): Bottom 7.1% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (TN)	National Avg	Tier Percentile
Members	3,275 +4.1% YoY+0.7% QoQ	+598	2,676 +1.6% YoY	21,412 +3.7% YoY	33,913 +5.7% YoY	71%
Assets	$55.5M +5.9% YoY+3.3% QoQ	+$25.3M	$30.2M +1.3% YoY	$379.6M +8.7% YoY	$578.3M +9.0% YoY	80%
Loans	$37.8M +1.6% YoY+2.3% QoQ	+$22.5M	$15.3M -2.0% YoY	$279.0M +7.7% YoY	$402.4M +8.7% YoY	Top 11.4% in tier
Deposits	$49.0M +5.3% YoY+2.6% QoQ	+$23.2M	$25.8M +0.7% YoY	$319.1M +8.0% YoY	$494.3M +9.1% YoY	81%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	1.3% -23.7% YoY+53.7% QoQ	+1.1%	0.1% -77.6% YoY	0.6% -5.0% YoY	0.4% -39.2% YoY	79%
NIM	3.3% +2.6% YoY+29.1% QoQ	-0.8%	4.0% +4.0% YoY	3.9% +5.1% YoY	3.8% +4.1% YoY	26%
Efficiency Ratio	63.7% -3.8% YoY-19.3% QoQ	-26.9%	90.6% +6.5% YoY	79.6% +1.7% YoY	84.6% +2.8% YoY	16%
Delinquency Rate	0.6% +150.6% YoY+4.4% QoQ	-0.9	1.5% +3.8% YoY	0.9% -14.5% YoY	1.2% +3.4% YoY	46%
Loan To Share	77.2% -3.5% YoY-0.3% QoQ	+18.7%	58.5% -3.0% YoY	68.3% -1.5% YoY	65.6% -1.4% YoY	78%
AMR	$26,490 -0.4% YoY+1.7% QoQ	+$12K	$14,884 -1.7% YoY	$18,957 +3.0% YoY	$19,920 +1.6% YoY	Top 6.4% in tier
CD Concentration	40.7% -2.4% YoY+0.0% QoQ	+16.4%	24.3%	22.3%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	6.8%	7.7%	50%

Signature Analysis

Strengths (0)

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)

Compare against:

Comparing against 2508 peers in tier

Top Strengths (13 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 0.00%

#1 of 2508 Top 0.1% in <100M tier

129

Loan-to-Member Ratio (LMR)

engagement

Value: $11,542

Peer Median: $4,923

#129 of 2508 Top 5.1% in <100M tier

160

Average Member Relationship (AMR)

engagement

Value: $26,490

Peer Median: $13,926

#160 of 2508 Top 6.3% in <100M tier

208

Member Growth Rate

growth

Value: 4.13%

Peer Median: -1.37%

#208 of 2508 Top 8.3% in <100M tier

285

Total Loans

balance_sheet

Value: $37.80M

Peer Median: $9.48M

#285 of 2508 Top 11.3% in <100M tier

311

Fee Income Per Member

profitability

Value: $146.51

Peer Median: $60.42

#311 of 2508 Top 12.4% in <100M tier

408

Efficiency Ratio

profitability

Value: 63.69%

Peer Median: 81.45%

#408 of 2508 Top 16.2% in <100M tier

469

Total Deposits

balance_sheet

Value: $48.96M

Peer Median: $18.77M

#469 of 2508 Top 18.7% in <100M tier

496

Total Assets

balance_sheet

Value: $55.49M

Peer Median: $21.86M

#496 of 2508 Top 19.7% in <100M tier

497

Asset Growth Rate

growth

Value: 5.92%

Peer Median: 1.30%

#497 of 2508 Top 19.8% in <100M tier

Top Weaknesses (2 metrics)

2330

Share Certificate Concentration (%)

balance_sheet

Value: 40.69%

Peer Median: 12.45%

#2330 of 2508 Bottom 7.1% in <100M tier

2116

First Mortgage Concentration (%)

balance_sheet

Value: 36.63%

Peer Median: 3.66%

#2116 of 2508 Bottom 15.7% in <100M tier