BlastPoint's Credit Union Scorecard
BCBST EMPLOYEES
Charter #67738 · TN
BCBST EMPLOYEES has 1 strength but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.12% above tier average
Key Concerns
Areas that may need attention
- - ROA 0.75% below tier average
- - Member decline: -26.0% YoY
- - Deposit Growth Rate: Bottom 0.6% in tier
- - Asset Growth Rate: Bottom 0.7% in tier
- - Member Growth Rate: Bottom 1.2% in tier
- - Loan Growth Rate: Bottom 2.0% in tier
- - Loan-to-Member Ratio (LMR): Bottom 7.7% in tier
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 -29.7% year over year ($6.2M in shares and deposits).
- Membership: 1,419 members, -26.0% vs a year ago.
- Delinquency rate 0.11%.
- Return on assets 0.75%.
- Efficiency ratio 87.13% vs a 88.77% peer average.
- Loan-to-share ratio 30.91% 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 |
1,419
-26.0% YoY-8.9% QoQ
|
-1.2K |
2,585
-1.7% YoY
|
22,058
+4.8% YoY
|
34,678
+6.6% YoY
|
39% |
| Assets |
$8.3M
-23.7% YoY-16.9% QoQ
|
$-21.9M |
$30.3M
+1.5% YoY
|
$390.3M
+9.5% YoY
|
$593.1M
+10.2% YoY
|
28% |
| Loans |
$1.9M
-33.6% YoY-18.7% QoQ
|
$-13.5M |
$15.5M
-1.7% YoY
|
$289.3M
+8.5% YoY
|
$418.6M
+10.1% YoY
|
17% |
| Deposits |
$6.2M
-29.7% YoY-21.3% QoQ
|
$-19.6M |
$25.8M
+1.1% YoY
|
$326.4M
+8.9% YoY
|
$504.8M
+10.3% YoY
|
26% |
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| ROA |
0.7%
+38.4% YoY+27.6% QoQ
|
-0.7% |
1.5%
+241.5% YoY
|
1.1%
+46.9% YoY
|
1.2%
+121.4% YoY
|
47% |
| NIM |
4.0%
+11.6% YoY+5.1% QoQ
|
+0.1% |
3.9%
+0.9% YoY
|
3.9%
+2.1% YoY
|
3.8%
+2.3% YoY
|
57% |
| Efficiency Ratio |
87.1%
-1.1% YoY+3.7% QoQ
|
-1.6% |
88.8%
-6.9% YoY
|
78.9%
+2.6% YoY
|
83.0%
-5.3% YoY
|
66% |
| Delinquency Rate | 0.1% | -1.4 |
1.5%
+2.1% YoY
|
1.1%
-1.7% YoY
|
1.3%
+2.6% YoY
|
21% |
| Loan To Share |
30.9%
-5.4% YoY+3.3% QoQ
|
-28.0% |
58.9%
-3.1% YoY
|
68.7%
-1.7% YoY
|
66.4%
-1.4% YoY
|
Bottom 11.9% in tier |
| AMR |
$5,696
-6.3% YoY-12.9% QoQ
|
$-9K |
$14,963
-6.8% YoY
|
$19,228
+3.5% YoY
|
$20,028
-0.9% YoY
|
Bottom 10.6% in tier |
| CD Concentration |
6.0%
+22.2% YoY+38.5% QoQ
|
-18.6% | 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)