BlastPoint's Credit Union Scorecard

CITY EMPLOYEES

Charter #67778 · TN

1069 CUs in 100M-500M nationally 25 in TN

CITY EMPLOYEES has 4 strengths but faces 6 concerns

National Analysis

How does the industry compare?

TN Analysis

How does TN stack up?

Key Strengths

Areas where this CU excels compared to peers

+ ROA 1.03% above tier average
+ Net Interest Margin 0.11% above tier average
+ Net Worth Ratio: Top 2.1% in tier
+ Efficiency Ratio: Top 3.6% in tier

Key Concerns

Areas that may need attention

- Margin Compression: Bottom 21.3% in tier
- Liquidity Overhang: Bottom 22.4% in tier
- Cost Spiral: Bottom 40.0% in tier
- Credit Quality Pressure: Bottom 68.5% in tier
- Total Deposits: Bottom 4.5% in tier
- Fee Income Per Member: Bottom 4.9% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (TN)	National Avg	Tier Percentile
Members	8,467 -0.4% YoY-0.3% QoQ	-7.0K	15,437 -2.9% YoY	21,265 +4.5% YoY	33,374 +5.7% YoY	20%
Assets	$119.1M +4.2% YoY+1.9% QoQ	$-112.8M	$231.9M +1.3% YoY	$372.5M +10.3% YoY	$561.6M +9.7% YoY	Bottom 12.7% in tier
Loans	$64.0M -3.1% YoY+1.5% QoQ	$-83.4M	$147.3M -0.1% YoY	$275.7M +8.6% YoY	$397.0M +8.8% YoY	Bottom 12.3% in tier
Deposits	$91.8M +3.0% YoY+2.3% QoQ	$-109.0M	$200.8M +0.8% YoY	$312.1M +9.5% YoY	$477.3M +9.7% YoY	Bottom 4.4% in tier

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	1.8% -15.7% YoY-18.7% QoQ	+1.0%	0.8% +18.2% YoY	0.7% -5.8% YoY	0.7% +15.9% YoY	Top 4.3% in tier
NIM	3.7% -9.5% YoY-5.8% QoQ	+0.1%	3.6% +6.7% YoY	3.8% +3.7% YoY	3.8% +5.1% YoY	56%
Efficiency Ratio	55.7% +15.1% YoY+14.1% QoQ	-21.3%	77.0% -3.1% YoY	79.4% +2.9% YoY	79.7% -3.3% YoY	Bottom 3.6% in tier
Delinquency Rate	0.4% +36.9% YoY+19.0% QoQ	-0.5	0.9% +4.2% YoY	1.1% -12.6% YoY	1.3% -2.1% YoY	25%
Loan To Share	69.7% -5.9% YoY-0.7% QoQ	-2.5%	72.2% -1.1% YoY	70.0% -2.2% YoY	67.4% -1.7% YoY	41%
AMR	$18,400 +0.8% YoY+2.3% QoQ	$-6K	$24,676 +3.4% YoY	$18,770 +3.9% YoY	$19,687 +2.0% YoY	23%
CD Concentration	16.0% +8.4% YoY-7.7% QoQ	-8.5%	24.4%	22.4%	19.8%	50%
Indirect Auto %	12.8% +20.0% YoY+7.5% QoQ	-1.0%	13.8%	6.7%	7.8%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (4)

Margin Compression

decline

#27 of 123 • Bottom 21.3% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.

Why This Signature

Return on Assets: 1.79%

(Tier: 0.75%, National: 0.67%)

but better than tier avg

ROA (Prior Year): 2.12%

(Tier: 0.63%, National: 0.62%)

but better than tier avg

ROA Change (YoY): -0.33% points

(Tier: 0.11% points, National: 0.02% points)

worse than tier avg

123 of 1069 Mid-Small & Community CUs have this signature | 145 nationally

→ No prior data (123 CUs now) | New qualifier

Liquidity Overhang

risk

#31 of 135 • Bottom 22.4% in tier

Exceptional capital position (>16%, top quartile). Strong fundamentals—opportunity to deploy capital more productively.

Why This Signature

Net Worth Ratio: 21.63%

(Tier: 11.97%, National: 14.49%)

but better than tier avg

Loan-to-Share Ratio: 69.71%

(Tier: 74.08%, National: 67.44%)

worse than tier avg

135 of 1069 Mid-Small & Community CUs have this signature | 155 nationally

↑ Growing +17 CUs YoY

Cost Spiral

risk

#19 of 46 • Bottom 40.0% in tier

Historically lean operator (<75% efficiency) now seeing 5+ point efficiency ratio increase despite strong profitability (>0.50% ROA). Efficiency advantage eroding.

Why This Signature

Efficiency Ratio Change: 7.31% points

(Tier: -2.44% points, National: -1.81% points)

worse than tier avg

Efficiency Ratio (Prior Year): 42.10%

(Tier: 60.04%, National: 63.66%)

but better than tier avg

46 of 1069 Mid-Small & Community CUs have this signature | 58 nationally

↓ Shrinking -30 CUs YoY | New qualifier

Credit Quality Pressure

risk

#483 of 705 • Bottom 68.5% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.11% points

(Tier: 0.03% points, National: 0.06% points)

worse than tier avg

705 of 1069 Mid-Small & Community CUs have this signature | 969 nationally

↓ Shrinking -150 CUs YoY | New qualifier

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)

Compare against:

Comparing against 1069 peers in tier

Top Strengths (5 metrics)

Net Worth Ratio

risk

Value: 21.63%

Peer Median: -

#23 of 1069 Top 2.1% in 100M-500M tier

Efficiency Ratio

profitability

Value: 55.73%

Peer Median: -

#39 of 1069 Top 3.6% in 100M-500M tier

Return on Assets (ROA)

profitability

Value: 1.79%

Peer Median: -

#46 of 1069 Top 4.2% in 100M-500M tier

197

Members Per Employee (MPE)

engagement

Value: 403.190

Peer Median: -

#197 of 1069 Top 18.3% in 100M-500M tier

268

Share Certificate Concentration (%)

balance_sheet

Value: 15.95%

Peer Median: -

#268 of 1069 Top 25.0% in 100M-500M tier

Top Weaknesses (8 metrics)

1022

Total Deposits

balance_sheet

Value: $91.80M

Peer Median: -

#1022 of 1069 Bottom 4.5% in 100M-500M tier

1018

Fee Income Per Member

profitability

Value: $72.42

Peer Median: -

#1018 of 1069 Bottom 4.9% in 100M-500M tier

938

Total Loans

balance_sheet

Value: $63.99M

Peer Median: -

#938 of 1069 Bottom 12.3% in 100M-500M tier

933

Total Assets

balance_sheet

Value: $119.10M

Peer Median: -

#933 of 1069 Bottom 12.8% in 100M-500M tier

881

Loan Growth Rate

growth

Value: -3.15%

Peer Median: -

#881 of 1069 Bottom 17.7% in 100M-500M tier

854

Total Members

engagement

Value: 8,467

Peer Median: -

#854 of 1069 Bottom 20.2% in 100M-500M tier

819

Average Member Relationship (AMR)

engagement

Value: $18,400

Peer Median: -

#819 of 1069 Bottom 23.5% in 100M-500M tier

806

AMR Growth Rate

growth

Value: 0.80%

Peer Median: -

#806 of 1069 Bottom 24.7% in 100M-500M tier