BlastPoint's Credit Union Scorecard
BCBST EMPLOYEES
Charter #67738 ยท TN
2596 CUs in <100M nationally
88 in TN
BCBST EMPLOYEES has 4 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.02% above tier average
- + Total Delinquency Rate (60+ days): Top 0.0% in tier
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Members Per Employee (MPE): Top 7.0% in tier
Key Concerns
Areas that may need attention
- - Efficiency ratio 2.85% above tier (higher cost structure)
- - Member decline: -5.5% YoY
- - Loan-to-Member Ratio (LMR): Bottom 8.6% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,838
-5.5% YoY-4.2% QoQ
|
-787 |
2,625
-2.2% YoY
|
21,139
+4.9% YoY
|
33,089
+6.1% YoY
|
48% |
| Assets |
$10.5M
-4.0% YoY-4.2% QoQ
|
$-19.4M |
$29.9M
+1.1% YoY
|
$362.5M
+9.5% YoY
|
$547.7M
+7.8% YoY
|
33% |
| Loans |
$2.7M
-13.9% YoY-5.6% QoQ
|
$-13.1M |
$15.8M
-2.4% YoY
|
$271.1M
+9.1% YoY
|
$388.7M
+8.6% YoY
|
22% |
| Deposits |
$8.3M
-5.9% YoY-5.5% QoQ
|
$-17.2M |
$25.5M
+0.4% YoY
|
$303.0M
+8.7% YoY
|
$464.6M
+9.3% YoY
|
33% |
| ROA |
0.7%
-28.5% YoY+30.7% QoQ
|
+0.0% |
0.7%
-731.4% YoY
|
0.8%
+4.1% YoY
|
0.7%
+273.4% YoY
|
47% |
| NIM |
3.7%
+7.7% YoY+2.2% QoQ
|
-0.3% |
3.9%
+3.8% YoY
|
3.8%
+5.1% YoY
|
3.7%
+5.0% YoY
|
41% |
| Efficiency Ratio |
84.2%
+8.5% YoY-4.3% QoQ
|
+2.8% |
81.4%
-2.4% YoY
|
75.4%
-1.8% YoY
|
79.1%
-3.3% YoY
|
65% |
| Delinquency Rate |
0.0%
-100.0% YoY
|
-1.5 |
1.5%
-2.0% YoY
|
1.1%
+8.5% YoY
|
1.2%
-0.9% YoY
|
Bottom 0.0% in tier |
| Loan To Share |
32.7%
-8.6% YoY-0.1% QoQ
|
-28.6% |
61.2%
-3.0% YoY
|
70.4%
-2.4% YoY
|
68.0%
-1.7% YoY
|
Bottom 12.1% in tier |
| AMR |
$5,994
-2.6% YoY-1.4% QoQ
|
$-9K |
$14,627
-2.7% YoY
|
$18,470
+2.4% YoY
|
$19,418
+1.3% YoY
|
Bottom 11.9% in tier |
| CD Concentration |
5.4%
+23.0% YoY+9.6% QoQ
|
-19.0% |
24.4%
+4.2% YoY
|
22.3%
+6.6% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
6.9%
+1.1% YoY
|
7.9%
-2.9% YoY
|
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)
Top Strengths (4 metrics)
1
Total Delinquency Rate (60+ days)
risk
Value:
0.00%
Peer Avg: 1.51%
#1 of 2596
Top 0.0% in <100M tier
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
184
Members Per Employee (MPE)
engagement
Value:
612.667
Peer Avg: 365.701
#184 of 2596
Top 7.0% in <100M tier
568
Net Worth Ratio
risk
Value:
20.12%
Peer Avg: 16.43%
#568 of 2596
Top 21.8% in <100M tier
Top Weaknesses (8 metrics)
2373
Loan-to-Member Ratio (LMR)
engagement
Value:
$1,476
Peer Avg: $5,488
#2373 of 2596
Bottom 8.6% in <100M tier
2288
Average Member Relationship (AMR)
engagement
Value:
$5,994
Peer Avg: $14,627
#2288 of 2596
Bottom 11.9% in <100M tier
2279
Loan-to-Share Ratio
balance_sheet
Value:
32.66%
Peer Avg: 61.23%
#2279 of 2596
Bottom 12.2% in <100M tier
2265
Loan Growth Rate
growth
Value:
-13.94%
Peer Avg: 59.01%
#2265 of 2596
Bottom 12.8% in <100M tier
2212
Deposit Growth Rate
growth
Value:
-5.88%
Peer Avg: 16.80%
#2212 of 2596
Bottom 14.8% in <100M tier
2211
Member Growth Rate
growth
Value:
-5.55%
Peer Avg: 14.92%
#2211 of 2596
Bottom 14.9% in <100M tier
2144
Asset Growth Rate
growth
Value:
-4.04%
Peer Avg: 1.82%
#2144 of 2596
Bottom 17.4% in <100M tier
2027
Total Loans
balance_sheet
Value:
$2.71M
Peer Avg: $15.77M
#2027 of 2596
Bottom 22.0% in <100M tier