BlastPoint's Credit Union Scorecard
P.I.A.S.
Charter #67779 · TN
P.I.A.S. has 4 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.15% above tier average
- + Total Delinquency Rate (60+ days): Top 0.1% in tier
- + Asset Growth Rate: Top 8.6% in tier
- + Deposit Growth Rate: Top 9.5% in tier
Key Concerns
Areas that may need attention
- - ROA 1.13% below tier average
- - Efficiency ratio 2.82% above tier (higher cost structure)
- - Member decline: -6.7% YoY
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
519
-6.7% YoY-1.5% QoQ
|
-2.1K |
2,585
-1.7% YoY
|
22,058
+4.8% YoY
|
34,678
+6.6% YoY
|
Bottom 14.0% in tier |
| Assets |
$4.2M
+9.2% YoY-0.9% QoQ
|
$-26.0M |
$30.3M
+1.5% YoY
|
$390.3M
+9.5% YoY
|
$593.1M
+10.2% YoY
|
16% |
| Loans |
$2.1M
-11.7% YoY-8.1% QoQ
|
$-13.4M |
$15.5M
-1.7% YoY
|
$289.3M
+8.5% YoY
|
$418.6M
+10.1% YoY
|
18% |
| Deposits |
$3.5M
+9.2% YoY-1.2% QoQ
|
$-22.3M |
$25.8M
+1.1% YoY
|
$326.4M
+8.9% YoY
|
$504.8M
+10.3% YoY
|
17% |
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| ROA |
0.4%
+364.3% YoY+7.6% QoQ
|
-1.1% |
1.5%
+241.5% YoY
|
1.1%
+46.9% YoY
|
1.2%
+121.4% YoY
|
23% |
| NIM |
4.1%
-0.3% YoY+0.7% QoQ
|
+0.2% |
3.9%
+0.9% YoY
|
3.9%
+2.1% YoY
|
3.8%
+2.3% YoY
|
59% |
| Efficiency Ratio |
91.6%
-6.2% YoY-0.4% QoQ
|
+2.8% |
88.8%
-6.9% YoY
|
78.9%
+2.6% YoY
|
83.0%
-5.3% YoY
|
75% |
| Delinquency Rate | 0.0% | -1.5 |
1.5%
+2.1% YoY
|
1.1%
-1.7% YoY
|
1.3%
+2.6% YoY
|
Top 0.1% in tier |
| Loan To Share |
59.6%
-19.1% YoY-7.0% QoQ
|
+0.7% |
58.9%
-3.1% YoY
|
68.7%
-1.7% YoY
|
66.4%
-1.4% YoY
|
51% |
| AMR |
$10,717
+7.5% YoY-2.4% QoQ
|
$-4K |
$14,963
-6.8% YoY
|
$19,228
+3.5% YoY
|
$20,028
-0.9% YoY
|
32% |
| CD Concentration |
10.2%
+145.3% YoY-15.5% QoQ
|
-14.3% | 24.6% | 22.4% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 6.8% | 7.7% | 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)