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BlastPoint's Credit Union Scorecard

CREDIT UNION FOR ROBERTSON COUNTY

Charter #67741 · TN

<100M
2508 CUs in <100M nationally 86 in TN

CREDIT UNION FOR ROBERTSON COUNTY has 7 strengths but faces 2 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + ROA 1.34% above tier average
  • + Net Interest Margin 1.18% above tier average
  • + Total Members: Top 1.9% in tier
  • + Total Loans: Top 2.4% in tier
  • + Total Assets: Top 5.2% in tier
  • + Total Deposits: Top 5.3% in tier
  • + Fee Income Per Member: Top 6.0% in tier

Key Concerns

Areas that may need attention

  • - Member decline: -9.2% YoY
  • - Member Growth Rate: Bottom 6.9% in tier

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (TN) National Avg Tier Percentile
Members 9,082
-9.2% YoY-4.6% QoQ
+6.4K 2,676
+1.6% YoY
21,412
+3.7% YoY
33,913
+5.7% YoY
Top 1.9% in tier
Assets $85.7M
-2.0% YoY+2.5% QoQ
+$55.5M $30.2M
+1.3% YoY
$379.6M
+8.7% YoY
$578.3M
+9.0% YoY
Top 5.2% in tier
Loans $56.6M
-0.8% YoY-2.9% QoQ
+$41.3M $15.3M
-2.0% YoY
$279.0M
+7.7% YoY
$402.4M
+8.7% YoY
Top 2.5% in tier
Deposits $73.7M
-3.3% YoY+2.7% QoQ
+$47.9M $25.8M
+0.7% YoY
$319.1M
+8.0% YoY
$494.3M
+9.1% YoY
Top 5.4% in tier

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Tier 1
50+ financial metrics with peer benchmarks
Performance signatures (strengths & concerns)
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ROA 1.5%
+160.9% YoY+92.4% QoQ
+1.3% 0.1%
-77.6% YoY
0.6%
-5.0% YoY
0.4%
-39.2% YoY
85%
NIM 5.2%
+5.6% YoY+0.1% QoQ
+1.2% 4.0%
+4.0% YoY
3.9%
+5.1% YoY
3.8%
+4.1% YoY
Top 9.3% in tier
Efficiency Ratio 80.4%
-5.3% YoY+2.1% QoQ
-10.2% 90.6%
+6.5% YoY
79.6%
+1.7% YoY
84.6%
+2.8% YoY
47%
Delinquency Rate 0.2%
-52.4% YoY-68.8% QoQ
-1.3 1.5%
+3.8% YoY
0.9%
-14.5% YoY
1.2%
+3.4% YoY
28%
Loan To Share 76.9%
+2.6% YoY-5.5% QoQ
+18.3% 58.5%
-3.0% YoY
68.3%
-1.5% YoY
65.6%
-1.4% YoY
78%
AMR $14,348
+7.6% YoY+5.0% QoQ
$-536 $14,884
-1.7% YoY
$18,957
+3.0% YoY
$19,920
+1.6% YoY
52%
CD Concentration 18.1%
-7.4% YoY+0.2% QoQ
-6.2% 24.3% 22.3% 19.8% 50%
Indirect Auto % 0.0% -13.8% 13.8% 6.8% 7.7% 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)

Comparing against 2508 peers in tier

Top Strengths (10 metrics)

1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Median: 0.00%
#1 of 2508 Top 0.1% in <100M tier
48
Total Members
engagement
Value: 9,082
Peer Median: 1,918
#48 of 2508 Top 1.9% in <100M tier
62
Total Loans
balance_sheet
Value: $56.63M
Peer Median: $9.48M
#62 of 2508 Top 2.4% in <100M tier
131
Total Assets
balance_sheet
Value: $85.66M
Peer Median: $21.86M
#131 of 2508 Top 5.2% in <100M tier
135
Total Deposits
balance_sheet
Value: $73.68M
Peer Median: $18.77M
#135 of 2508 Top 5.3% in <100M tier
152
Fee Income Per Member
profitability
Value: $186.40
Peer Median: $60.42
#152 of 2508 Top 6.0% in <100M tier
232
Net Interest Margin (NIM)
profitability
Value: 5.19%
Peer Median: 3.83%
#232 of 2508 Top 9.2% in <100M tier
384
AMR Growth Rate
growth
Value: 7.62%
Peer Median: 1.27%
#384 of 2508 Top 15.3% in <100M tier
387
Return on Assets (ROA)
profitability
Value: 1.49%
Peer Median: 0.61%
#387 of 2508 Top 15.4% in <100M tier
557
Loan-to-Share Ratio
balance_sheet
Value: 76.85%
Peer Median: 58.72%
#557 of 2508 Top 22.2% in <100M tier

Top Weaknesses (2 metrics)

2335
Member Growth Rate
growth
Value: -9.17%
Peer Median: -1.37%
#2335 of 2508 Bottom 6.9% in <100M tier
2184
Members Per Employee (MPE)
engagement
Value: 181.640
Peer Median: 333.750
#2184 of 2508 Bottom 13.0% in <100M tier
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