BlastPoint's Credit Union Scorecard
UPS EMPLOYEES
Charter #67608 · TN
UPS EMPLOYEES demonstrates 6 strengths
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.76% above tier average
- + Net Interest Margin 1.90% above tier average
- + Members Per Employee (MPE): Top 6.7% in tier
- + Total Members: Top 8.3% in tier
- + Loan-to-Share Ratio: Top 9.5% in tier
- + Efficiency Ratio: Top 9.7% in tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
6,182
+0.2% YoY-0.4% QoQ
|
+3.6K |
2,615
-1.9% YoY
|
21,265
+4.5% YoY
|
33,374
+5.7% YoY
|
Top 8.4% in tier |
| Assets |
$43.2M
+6.3% YoY+1.9% QoQ
|
+$13.1M |
$30.1M
+2.1% YoY
|
$372.5M
+10.3% YoY
|
$561.6M
+9.7% YoY
|
72% |
| Loans |
$29.7M
-3.5% YoY-1.1% QoQ
|
+$13.9M |
$15.8M
-1.3% YoY
|
$275.7M
+8.6% YoY
|
$397.0M
+8.8% YoY
|
82% |
| Deposits |
$32.8M
+5.0% YoY+2.9% QoQ
|
+$7.2M |
$25.7M
+1.4% YoY
|
$312.1M
+9.5% YoY
|
$477.3M
+9.7% YoY
|
68% |
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| ROA |
2.4%
+5.1% YoY+1.0% QoQ
|
+1.8% |
0.6%
+10.8% YoY
|
0.7%
-5.8% YoY
|
0.7%
+15.9% YoY
|
Top 3.2% in tier |
| NIM |
5.9%
+4.6% YoY-0.0% QoQ
|
+1.9% |
4.0%
+4.0% YoY
|
3.8%
+3.7% YoY
|
3.8%
+5.1% YoY
|
Top 4.7% in tier |
| Efficiency Ratio |
58.5%
+1.6% YoY-1.4% QoQ
|
-24.0% |
82.6%
-2.3% YoY
|
79.4%
+2.9% YoY
|
79.7%
-3.3% YoY
|
Top 9.7% in tier |
| Delinquency Rate |
0.4%
-59.8% YoY-43.2% QoQ
|
-1.1 |
1.6%
-3.1% YoY
|
1.1%
-12.6% YoY
|
1.3%
-2.1% YoY
|
37% |
| Loan To Share |
90.3%
-8.0% YoY-3.9% QoQ
|
+29.7% |
60.6%
-3.1% YoY
|
70.0%
-2.2% YoY
|
67.4%
-1.7% YoY
|
Top 9.7% in tier |
| AMR |
$10,112
+0.6% YoY+1.4% QoQ
|
$-5K |
$14,783
-1.4% YoY
|
$18,770
+3.9% YoY
|
$19,687
+2.0% YoY
|
29% |
| CD Concentration |
11.5%
+18.8% YoY+1.2% QoQ
|
-12.9% | 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)