BlastPoint's Credit Union Scorecard
CITY EMPLOYEES
Charter #67778 · TN
CITY EMPLOYEES has 4 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.12% above tier average
- + Net Interest Margin 0.19% above tier average
- + Net Worth Ratio: Top 1.8% in tier
- + Efficiency Ratio: Top 2.4% in tier
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 50.0% in tier
- - Shrinking Wallet Share: Bottom 50.0% in tier
- - Credit Quality Pressure: Bottom 50.0% in tier
- - Margin Compression: Bottom 50.0% in tier
- - Deposit Outflow: Bottom 50.0% in tier
- - Total Deposits: Bottom 2.7% in tier
- - Fee Income Per Member: Bottom 7.1% in tier
- - AMR Growth Rate: Bottom 8.2% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
8,461
-0.4% YoY-0.1% QoQ
|
-6.7K |
15,145
-2.5% YoY
|
21,412
+3.7% YoY
|
33,913
+5.7% YoY
|
21% |
| Assets |
$116.9M
+0.0% YoY-1.8% QoQ
|
$-114.8M |
$231.7M
+0.8% YoY
|
$379.6M
+8.7% YoY
|
$578.3M
+9.0% YoY
|
Bottom 11.2% in tier |
| Loans |
$62.7M
-5.4% YoY-2.0% QoQ
|
$-81.4M |
$144.1M
+0.2% YoY
|
$279.0M
+7.7% YoY
|
$402.4M
+8.7% YoY
|
Bottom 12.3% in tier |
| Deposits |
$89.4M
-1.9% YoY-2.6% QoQ
|
$-111.8M |
$201.1M
+0.4% YoY
|
$319.1M
+8.0% YoY
|
$494.3M
+9.1% YoY
|
Bottom 2.6% in tier |
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| ROA |
0.9%
-55.8% YoY-52.3% QoQ
|
+0.1% |
0.7%
+5.1% YoY
|
0.6%
-5.0% YoY
|
0.4%
-39.2% YoY
|
61% |
| NIM |
3.8%
-5.0% YoY+2.8% QoQ
|
+0.2% |
3.6%
+4.6% YoY
|
3.9%
+5.1% YoY
|
3.8%
+4.1% YoY
|
64% |
| Efficiency Ratio |
50.9%
-5.7% YoY-8.6% QoQ
|
-27.1% |
78.0%
-1.7% YoY
|
79.6%
+1.7% YoY
|
84.6%
+2.8% YoY
|
Top 2.4% in tier |
| Delinquency Rate |
0.6%
+54.3% YoY+35.0% QoQ
|
-0.2 |
0.8%
+7.1% YoY
|
0.9%
-14.5% YoY
|
1.2%
+3.4% YoY
|
46% |
| Loan To Share |
70.2%
-3.6% YoY+0.6% QoQ
|
-0.3% |
70.4%
-0.4% YoY
|
68.3%
-1.5% YoY
|
65.6%
-1.4% YoY
|
47% |
| AMR |
$17,975
-3.0% YoY-2.3% QoQ
|
$-7K |
$24,918
+2.7% YoY
|
$18,957
+3.0% YoY
|
$19,920
+1.6% YoY
|
20% |
| CD Concentration |
15.8%
-1.9% YoY-0.9% QoQ
|
-8.5% | 24.3% | 22.3% | 19.8% | 50% |
| Indirect Auto % |
11.4%
-5.8% YoY-11.2% QoQ
|
-2.4% | 13.8% | 6.8% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (5)
Liquidity Overhang
riskExceptional capital position (>16%, top quartile). Strong fundamentals—opportunity to deploy capital more productively.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.
Deposit Outflow
declineMembers staying (>= -1% YoY) but deposits leaving. They're moving money to higher-yield competitors - rate pressure is real.
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)