BlastPoint's Credit Union Scorecard
TNCONNECT
Charter #67666 · TN
TNCONNECT has 5 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Total Loans: Top 1.1% in tier
- + Total Deposits: Top 1.8% in tier
- + Total Assets: Top 4.1% in tier
- + Total Members: Top 7.6% in tier
- + Loan-to-Member Ratio (LMR): Top 8.7% in tier
Key Concerns
Areas that may need attention
- - Member decline: -3.2% YoY
- - Indirect Auto Concentration (%): Bottom 2.0% in tier
- - Net Worth Ratio: Bottom 3.5% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
6,258
-3.2% YoY-0.9% QoQ
|
+3.6K |
2,676
+1.6% YoY
|
21,412
+3.7% YoY
|
33,913
+5.7% YoY
|
Top 7.6% in tier |
| Assets |
$89.3M
+7.9% YoY+3.8% QoQ
|
+$59.1M |
$30.2M
+1.3% YoY
|
$379.6M
+8.7% YoY
|
$578.3M
+9.0% YoY
|
Top 4.1% in tier |
| Loans |
$61.4M
-6.0% YoY-3.9% QoQ
|
+$46.1M |
$15.3M
-2.0% YoY
|
$279.0M
+7.7% YoY
|
$402.4M
+8.7% YoY
|
Top 1.2% in tier |
| Deposits |
$82.4M
+8.2% YoY+2.0% QoQ
|
+$56.6M |
$25.8M
+0.7% YoY
|
$319.1M
+8.0% YoY
|
$494.3M
+9.1% YoY
|
Top 1.8% in tier |
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| ROA |
0.1%
-69.0% YoY-76.9% QoQ
|
+0.0% |
0.1%
-77.6% YoY
|
0.6%
-5.0% YoY
|
0.4%
-39.2% YoY
|
27% |
| NIM |
3.7%
-8.4% YoY-7.4% QoQ
|
-0.3% |
4.0%
+4.0% YoY
|
3.9%
+5.1% YoY
|
3.8%
+4.1% YoY
|
45% |
| Efficiency Ratio |
82.2%
+2.4% YoY+5.8% QoQ
|
-8.5% |
90.6%
+6.5% YoY
|
79.6%
+1.7% YoY
|
84.6%
+2.8% YoY
|
51% |
| Delinquency Rate |
0.7%
-15.9% YoY-23.9% QoQ
|
-0.8 |
1.5%
+3.8% YoY
|
0.9%
-14.5% YoY
|
1.2%
+3.4% YoY
|
53% |
| Loan To Share |
74.5%
-13.1% YoY-5.7% QoQ
|
+16.0% |
58.5%
-3.0% YoY
|
68.3%
-1.5% YoY
|
65.6%
-1.4% YoY
|
74% |
| AMR |
$22,965
+5.1% YoY+0.3% QoQ
|
+$8K |
$14,884
-1.7% YoY
|
$18,957
+3.0% YoY
|
$19,920
+1.6% YoY
|
Top 12.5% in tier |
| CD Concentration |
23.9%
+48.2% YoY+11.7% QoQ
|
-0.4% | 24.3% | 22.3% | 19.8% | 50% |
| Indirect Auto % |
43.6%
-9.6% YoY-4.7% QoQ
|
+29.8% | 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)