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 0.18% 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 8.6% in tier
Key Concerns
Areas that may need attention
- - Member decline: -10.2% YoY
- - Member Growth Rate: Bottom 5.2% in tier
- - Loan-to-Member Ratio (LMR): Bottom 8.7% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,736
-10.2% YoY-5.5% QoQ
|
-879 |
2,615
-1.9% YoY
|
21,265
+4.5% YoY
|
33,374
+5.7% YoY
|
45% |
| Assets |
$10.3M
-1.9% YoY-1.6% QoQ
|
$-19.8M |
$30.1M
+2.1% YoY
|
$372.5M
+10.3% YoY
|
$561.6M
+9.7% YoY
|
32% |
| Loans |
$2.7M
-14.4% YoY-1.5% QoQ
|
$-13.1M |
$15.8M
-1.3% YoY
|
$275.7M
+8.6% YoY
|
$397.0M
+8.8% YoY
|
22% |
| Deposits |
$8.1M
-3.4% YoY-2.3% QoQ
|
$-17.6M |
$25.7M
+1.4% YoY
|
$312.1M
+9.5% YoY
|
$477.3M
+9.7% YoY
|
32% |
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| ROA |
0.8%
-16.3% YoY+13.2% QoQ
|
+0.2% |
0.6%
+10.8% YoY
|
0.7%
-5.8% YoY
|
0.7%
+15.9% YoY
|
56% |
| NIM |
3.8%
+9.1% YoY+3.8% QoQ
|
-0.1% |
4.0%
+4.0% YoY
|
3.8%
+3.7% YoY
|
3.8%
+5.1% YoY
|
47% |
| Efficiency Ratio |
80.9%
+3.6% YoY-3.9% QoQ
|
-1.6% |
82.6%
-2.3% YoY
|
79.4%
+2.9% YoY
|
79.7%
-3.3% YoY
|
53% |
| Delinquency Rate |
0.0%
-100.0% YoY
|
-1.6 |
1.6%
-3.1% YoY
|
1.1%
-12.6% YoY
|
1.3%
-2.1% YoY
|
Bottom 0.0% in tier |
| Loan To Share |
32.9%
-11.4% YoY+0.7% QoQ
|
-27.7% |
60.6%
-3.1% YoY
|
70.0%
-2.2% YoY
|
67.4%
-1.7% YoY
|
Bottom 12.4% in tier |
| AMR |
$6,214
+4.3% YoY+3.7% QoQ
|
$-9K |
$14,783
-1.4% YoY
|
$18,770
+3.9% YoY
|
$19,687
+2.0% YoY
|
Bottom 12.4% in tier |
| CD Concentration |
3.7%
-11.8% YoY-30.2% QoQ
|
-20.7% | 24.4% | 22.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 6.7% | 7.8% | 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)