BlastPoint's Credit Union Scorecard
CITY EMPLOYEES
Charter #67778 · TN
CITY EMPLOYEES has 6 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 50.0% in tier
- + ROA 0.63% above tier average
- + Net Interest Margin 0.18% above tier average
- + Net Worth Ratio: Top 1.8% in tier
- + Efficiency Ratio: Top 2.2% in tier
- + AMR Growth Rate: Top 4.4% in tier
Key Concerns
Areas that may need attention
- - Membership Headwinds: Bottom 50.0% in tier
- - Stagnation Risk: Bottom 50.0% in tier
- - Margin Compression: Bottom 50.0% in tier
- - Liquidity Overhang: Bottom 50.0% in tier
- - Institutional Decline: Bottom 50.0% in tier
- - Credit Quality Pressure: Bottom 50.0% in tier
- - Member decline: -16.6% YoY
- - Member Growth Rate: Bottom 1.2% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 25 that size in Tennessee.
- Shares and deposits -4.6% year over year ($87.2M in shares and deposits).
- Membership: 7,075 members, -16.6% vs a year ago.
- Delinquency rate 0.47%.
- Return on assets 1.49%.
- Efficiency ratio 51.01% vs a 76.73% peer average.
- Loan-to-share ratio 70.61% vs a 71.54% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
7,075
-16.6% YoY-16.4% QoQ
|
-8.1K |
15,168
-2.6% YoY
|
22,058
+4.8% YoY
|
34,678
+6.6% YoY
|
Bottom 12.2% in tier |
| Assets |
$115.3M
-2.4% YoY-1.3% QoQ
|
$-116.7M |
$232.0M
+0.7% YoY
|
$390.3M
+9.5% YoY
|
$593.1M
+10.2% YoY
|
Bottom 10.0% in tier |
| Loans |
$61.6M
-5.7% YoY-1.7% QoQ
|
$-84.7M |
$146.3M
+0.2% YoY
|
$289.3M
+8.5% YoY
|
$418.6M
+10.1% YoY
|
Bottom 11.9% in tier |
| Deposits |
$87.2M
-4.6% YoY-2.4% QoQ
|
$-113.5M |
$200.7M
+0.2% YoY
|
$326.4M
+8.9% YoY
|
$504.8M
+10.3% YoY
|
Bottom 1.9% in tier |
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| ROA |
1.5%
-31.9% YoY+74.6% QoQ
|
+0.6% |
0.9%
+12.5% YoY
|
1.1%
+46.9% YoY
|
1.2%
+121.4% YoY
|
Top 12.9% in tier |
| NIM |
3.9%
-1.9% YoY+1.2% QoQ
|
+0.2% |
3.7%
+4.5% YoY
|
3.9%
+2.1% YoY
|
3.8%
+2.3% YoY
|
63% |
| Efficiency Ratio |
51.0%
+5.8% YoY+0.1% QoQ
|
-25.7% |
76.7%
-0.8% YoY
|
78.9%
+2.6% YoY
|
83.0%
-5.3% YoY
|
Top 2.2% in tier |
| Delinquency Rate |
0.5%
+48.8% YoY-17.3% QoQ
|
-0.4 |
0.9%
+6.6% YoY
|
1.1%
-1.7% YoY
|
1.3%
+2.6% YoY
|
33% |
| Loan To Share |
70.6%
-1.1% YoY+0.7% QoQ
|
-0.9% |
71.5%
-0.3% YoY
|
68.7%
-1.7% YoY
|
66.4%
-1.4% YoY
|
45% |
| AMR |
$21,039
+13.8% YoY+17.0% QoQ
|
$-4K |
$25,107
+3.2% YoY
|
$19,228
+3.5% YoY
|
$20,028
-0.9% YoY
|
38% |
| CD Concentration |
16.2%
-5.4% YoY+2.3% QoQ
|
-8.4% | 24.6% | 22.4% | 20.0% | 50% |
| Indirect Auto % |
9.9%
-18.5% YoY-12.8% QoQ
|
-3.7% | 13.6% | 6.8% | 7.7% | 50% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (6)
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.
Liquidity Overhang
riskExceptional capital position (>16%, top quartile). Strong fundamentals—opportunity to deploy capital more productively.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)