BlastPoint's Credit Union Scorecard
GREATER EXPERIENCE
Charter #67701 · TN
GREATER EXPERIENCE has 2 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.34% above tier average
- + Fee Income Per Member: Top 3.9% in tier
Key Concerns
Areas that may need attention
- - ROA 1.38% below tier average
- - Efficiency ratio 6.20% above tier (higher cost structure)
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 84 that size in Tennessee.
- Shares and deposits +1.5% year over year ($48.3M in shares and deposits).
- Membership: 4,001 members, +0.2% vs a year ago.
- Delinquency rate 1.47%.
- Return on assets 0.11%.
- Efficiency ratio 94.97% vs a 88.77% peer average.
- Loan-to-share ratio 76.91% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
4,001
+0.2% YoY-7.0% QoQ
|
+1.4K |
2,585
-1.7% YoY
|
22,058
+4.8% YoY
|
34,678
+6.6% YoY
|
79% |
| Assets |
$56.4M
+1.3% YoY-0.9% QoQ
|
+$26.2M |
$30.3M
+1.5% YoY
|
$390.3M
+9.5% YoY
|
$593.1M
+10.2% YoY
|
81% |
| Loans |
$37.2M
+0.7% YoY-2.0% QoQ
|
+$21.7M |
$15.5M
-1.7% YoY
|
$289.3M
+8.5% YoY
|
$418.6M
+10.1% YoY
|
Top 12.2% in tier |
| Deposits |
$48.3M
+1.5% YoY-1.3% QoQ
|
+$22.5M |
$25.8M
+1.1% YoY
|
$326.4M
+8.9% YoY
|
$504.8M
+10.3% YoY
|
81% |
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| ROA |
0.1%
+65.7% YoY-120.5% QoQ
|
-1.4% |
1.5%
+241.5% YoY
|
1.1%
+46.9% YoY
|
1.2%
+121.4% YoY
|
Bottom 7.1% in tier |
| NIM |
4.2%
+2.9% YoY+1.7% QoQ
|
+0.3% |
3.9%
+0.9% YoY
|
3.9%
+2.1% YoY
|
3.8%
+2.3% YoY
|
67% |
| Efficiency Ratio |
95.0%
+2.4% YoY-8.8% QoQ
|
+6.2% |
88.8%
-6.9% YoY
|
78.9%
+2.6% YoY
|
83.0%
-5.3% YoY
|
80% |
| Delinquency Rate |
1.5%
+66.2% YoY+11.3% QoQ
|
-0.1 |
1.5%
+2.1% YoY
|
1.1%
-1.7% YoY
|
1.3%
+2.6% YoY
|
71% |
| Loan To Share |
76.9%
-0.8% YoY-0.7% QoQ
|
+18.0% |
58.9%
-3.1% YoY
|
68.7%
-1.7% YoY
|
66.4%
-1.4% YoY
|
76% |
| AMR |
$21,378
+1.0% YoY+5.8% QoQ
|
+$6K |
$14,963
-6.8% YoY
|
$19,228
+3.5% YoY
|
$20,028
-0.9% YoY
|
82% |
| CD Concentration |
11.7%
+18.0% YoY-3.8% QoQ
|
-12.8% | 24.6% | 22.4% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 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)