BlastPoint's Credit Union Scorecard
YOUR BEST CREDIT UNION
Charter #67757 · TN
YOUR BEST CREDIT UNION has 3 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.58% above tier average
- + Total Delinquency Rate (60+ days): Top 0.0% in tier
- + Loan-to-Share Ratio: Top 6.3% in tier
Key Concerns
Areas that may need attention
- - ROA 0.48% below tier average
- - Asset Growth Rate: Bottom 7.4% in tier
- - Deposit Growth Rate: Bottom 7.9% in tier
- - Net Charge-Off Rate: Bottom 8.4% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,748
-1.2% YoY0% QoQ
|
-867 |
2,615
-1.9% YoY
|
21,265
+4.5% YoY
|
33,374
+5.7% YoY
|
46% |
| Assets |
$15.9M
-8.0% YoY-1.2% QoQ
|
$-14.3M |
$30.1M
+2.1% YoY
|
$372.5M
+10.3% YoY
|
$561.6M
+9.7% YoY
|
42% |
| Loans |
$12.8M
-3.0% YoY+1.5% QoQ
|
$-3.0M |
$15.8M
-1.3% YoY
|
$275.7M
+8.6% YoY
|
$397.0M
+8.8% YoY
|
57% |
| Deposits |
$13.4M
-9.5% YoY-1.6% QoQ
|
$-12.3M |
$25.7M
+1.4% YoY
|
$312.1M
+9.5% YoY
|
$477.3M
+9.7% YoY
|
43% |
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| ROA |
0.1%
-36.8% YoY
|
-0.5% |
0.6%
+10.8% YoY
|
0.7%
-5.8% YoY
|
0.7%
+15.9% YoY
|
22% |
| NIM |
4.5%
+14.6% YoY+6.8% QoQ
|
+0.6% |
4.0%
+4.0% YoY
|
3.8%
+3.7% YoY
|
3.8%
+5.1% YoY
|
74% |
| Efficiency Ratio |
77.3%
-7.8% YoY-1.7% QoQ
|
-5.3% |
82.6%
-2.3% YoY
|
79.4%
+2.9% YoY
|
79.7%
-3.3% YoY
|
44% |
| Delinquency Rate | 0.0% | -1.6 |
1.6%
-3.1% YoY
|
1.1%
-12.6% YoY
|
1.3%
-2.1% YoY
|
Top 0.1% in tier |
| Loan To Share |
95.5%
+7.1% YoY+3.1% QoQ
|
+34.8% |
60.6%
-3.1% YoY
|
70.0%
-2.2% YoY
|
67.4%
-1.7% YoY
|
Top 6.4% in tier |
| AMR |
$14,975
-5.3% YoY-0.1% QoQ
|
+$193 |
$14,783
-1.4% YoY
|
$18,770
+3.9% YoY
|
$19,687
+2.0% YoY
|
56% |
| CD Concentration |
20.0%
-18.6% YoY-5.6% QoQ
|
-4.4% | 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)