YOUR BEST CREDIT UNION
Charter #67757 | TN
<100M
(2596 CUs)
Micro
($0-$500M)
88 <100M in TN
YOUR BEST CREDIT UNION has 4 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.31% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Loan-to-Share Ratio: Top 8.7% in tier
Key Concerns
Areas that may need attention
- - ROA 0.65% below tier average
- - Net Charge-Off Rate: Bottom 7.9% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,748
-1.7% YoY-0.2% QoQ
|
-877 |
2,625
-2.2% YoY
|
21,139
+4.9% YoY
|
33,089
+6.1% YoY
|
46th in tier |
| Assets |
$16.1M
-4.9% YoY-8.0% QoQ
|
$-13.8M |
$29.9M
+1.1% YoY
|
$362.5M
+9.5% YoY
|
$547.7M
+7.8% YoY
|
43rd in tier |
| Loans |
$12.6M
-4.5% YoY+1.6% QoQ
|
$-3.2M |
$15.8M
-2.4% YoY
|
$271.1M
+9.1% YoY
|
$388.7M
+8.6% YoY
|
56th in tier |
| Deposits |
$13.6M
-6.0% YoY-9.1% QoQ
|
$-11.8M |
$25.5M
+0.4% YoY
|
$303.0M
+8.7% YoY
|
$464.6M
+9.3% YoY
|
43rd in tier |
| ROA |
0.0%
-203.0% YoY-94.4% QoQ
|
-0.7% |
0.7%
-731.4% YoY
|
0.8%
+4.1% YoY
|
0.7%
+273.4% YoY
|
Bottom 17.4% in tier |
| NIM |
4.2%
+7.5% YoY+3.3% QoQ
|
+0.3% |
3.9%
+3.8% YoY
|
3.8%
+5.1% YoY
|
3.7%
+5.0% YoY
|
65th in tier |
| Efficiency Ratio |
78.6%
-8.5% YoY+1.6% QoQ
|
-2.8% |
81.4%
-2.4% YoY
|
75.4%
-1.8% YoY
|
79.1%
-3.3% YoY
|
51st in tier |
| Delinquency Rate | 0.0% | -1.5 |
1.5%
-2.0% YoY
|
1.1%
+8.5% YoY
|
1.2%
-0.9% YoY
|
Bottom 14.8% in tier |
| Loan To Share |
92.5%
+1.6% YoY+11.9% QoQ
|
+31.3% |
61.2%
-3.0% YoY
|
70.4%
-2.4% YoY
|
68.0%
-1.7% YoY
|
Top 8.9% in tier |
| AMR |
$14,990
-3.6% YoY-4.1% QoQ
|
+$363 |
$14,627
-2.7% YoY
|
$18,470
+2.4% YoY
|
$19,418
+1.3% YoY
|
57th in tier |
| CD Concentration |
21.2%
-15.8% YoY-3.0% QoQ
|
-3.2% |
24.4%
+4.2% YoY
|
22.3%
+6.6% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
6.9%
+1.1% YoY
|
7.9%
-2.9% YoY
|
50th in tier |
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 (6 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 14.49%
#1 of 2596
Top 0.0% in <100M tier
228
Loan-to-Share Ratio
balance_sheet
Value:
92.55%
Peer Avg: 61.23%
#228 of 2596
Top 8.7% in <100M tier
386
Total Delinquency Rate (60+ days)
risk
Value:
0.03%
Peer Avg: 1.51%
#386 of 2596
Top 14.8% in <100M tier
576
Members Per Employee (MPE)
engagement
Value:
437.000
Peer Avg: 365.701
#576 of 2596
Top 22.1% in <100M tier
634
Loan-to-Member Ratio (LMR)
engagement
Value:
$7,205
Peer Avg: $5,488
#634 of 2596
Top 24.4% in <100M tier
Top Weaknesses (5 metrics)
2392
Net Charge-Off Rate
risk
Value:
1.60%
Peer Avg: 0.57%
#2392 of 2596
Bottom 7.9% in <100M tier
2232
Asset Growth Rate
growth
Value:
-4.93%
Peer Avg: 1.82%
#2232 of 2596
Bottom 14.1% in <100M tier
2221
Deposit Growth Rate
growth
Value:
-6.00%
Peer Avg: 16.80%
#2221 of 2596
Bottom 14.5% in <100M tier
2144
Return on Assets (ROA)
profitability
Value:
0.03%
Peer Avg: 0.68%
#2144 of 2596
Bottom 17.4% in <100M tier
2033
AMR Growth Rate
growth
Value:
-3.63%
Peer Avg: 4.67%
#2033 of 2596
Bottom 21.7% in <100M tier