BlastPoint's Credit Union Scorecard
BCBST EMPLOYEES
Charter #67738 · TN
BCBST EMPLOYEES has 4 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.44% above tier average
- + Total Delinquency Rate (60+ days): Top 0.1% in tier
- + AMR Growth Rate: Top 7.2% in tier
- + Net Charge-Off Rate: Top 8.7% in tier
Key Concerns
Areas that may need attention
- - Member decline: -18.9% YoY
- - Member Growth Rate: Bottom 2.2% in tier
- - Loan-to-Member Ratio (LMR): Bottom 9.2% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,558
-18.9% YoY-10.3% QoQ
|
-1.1K |
2,676
+1.6% YoY
|
21,412
+3.7% YoY
|
33,913
+5.7% YoY
|
42% |
| Assets |
$10.0M
-4.8% YoY-2.5% QoQ
|
$-20.1M |
$30.2M
+1.3% YoY
|
$379.6M
+8.7% YoY
|
$578.3M
+9.0% YoY
|
32% |
| Loans |
$2.3M
-16.2% YoY-12.1% QoQ
|
$-12.9M |
$15.3M
-2.0% YoY
|
$279.0M
+7.7% YoY
|
$402.4M
+8.7% YoY
|
20% |
| Deposits |
$7.8M
-7.0% YoY-3.3% QoQ
|
$-17.9M |
$25.8M
+0.7% YoY
|
$319.1M
+8.0% YoY
|
$494.3M
+9.1% YoY
|
31% |
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| ROA |
0.6%
+72.7% YoY-26.6% QoQ
|
+0.4% |
0.1%
-77.6% YoY
|
0.6%
-5.0% YoY
|
0.4%
-39.2% YoY
|
49% |
| NIM |
3.8%
+6.2% YoY+0.2% QoQ
|
-0.2% |
4.0%
+4.0% YoY
|
3.9%
+5.1% YoY
|
3.8%
+4.1% YoY
|
50% |
| Efficiency Ratio |
84.0%
-6.0% YoY+3.8% QoQ
|
-6.6% |
90.6%
+6.5% YoY
|
79.6%
+1.7% YoY
|
84.6%
+2.8% YoY
|
56% |
| Delinquency Rate | 0.0% | -1.5 |
1.5%
+3.8% YoY
|
0.9%
-14.5% YoY
|
1.2%
+3.4% YoY
|
Top 0.1% in tier |
| Loan To Share |
29.9%
-9.9% YoY-9.0% QoQ
|
-28.6% |
58.5%
-3.0% YoY
|
68.3%
-1.5% YoY
|
65.6%
-1.4% YoY
|
Bottom 11.5% in tier |
| AMR |
$6,543
+11.9% YoY+5.3% QoQ
|
$-8K |
$14,884
-1.7% YoY
|
$18,957
+3.0% YoY
|
$19,920
+1.6% YoY
|
Bottom 13.6% in tier |
| CD Concentration |
4.3%
-11.1% YoY+15.4% QoQ
|
-20.0% | 24.3% | 22.3% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 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)