BlastPoint's Credit Union Scorecard
P.I.A.S.
Charter #67779 · TN
P.I.A.S. has 3 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Total Delinquency Rate (60+ days): Top 0.0% in tier
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Net Charge-Off Rate: Top 8.1% in tier
Key Concerns
Areas that may need attention
- - ROA 4.04% below tier average
- - Efficiency ratio 376.37% above tier (higher cost structure)
- - Member decline: -4.1% YoY
- - Fee Income Per Member: Bottom 0.1% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
543
-4.1% YoY0% QoQ
|
-2.1K |
2,615
-1.9% YoY
|
21,265
+4.5% YoY
|
33,374
+5.7% YoY
|
Bottom 14.9% in tier |
| Assets |
$4.3M
+5.2% YoY+5.0% QoQ
|
$-25.9M |
$30.1M
+2.1% YoY
|
$372.5M
+10.3% YoY
|
$561.6M
+9.7% YoY
|
17% |
| Loans |
$2.2M
-8.4% YoY-0.4% QoQ
|
$-13.5M |
$15.8M
-1.3% YoY
|
$275.7M
+8.6% YoY
|
$397.0M
+8.8% YoY
|
19% |
| Deposits |
$3.5M
+7.7% YoY+8.0% QoQ
|
$-22.2M |
$25.7M
+1.4% YoY
|
$312.1M
+9.5% YoY
|
$477.3M
+9.7% YoY
|
18% |
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| ROA |
-3.4%
-3868.3% YoY-3741.2% QoQ
|
-4.0% |
0.6%
+10.8% YoY
|
0.7%
-5.8% YoY
|
0.7%
+15.9% YoY
|
Bottom 1.6% in tier |
| NIM |
3.9%
-1.0% YoY-4.1% QoQ
|
-0.0% |
4.0%
+4.0% YoY
|
3.8%
+3.7% YoY
|
3.8%
+5.1% YoY
|
52% |
| Efficiency Ratio |
458.9%
+376.9% YoY+371.6% QoQ
|
+376.4% |
82.6%
-2.3% YoY
|
79.4%
+2.9% YoY
|
79.7%
-3.3% YoY
|
Top 0.4% in tier |
| Delinquency Rate | 0.0% | -1.6 |
1.6%
-3.1% YoY
|
1.1%
-12.6% YoY
|
1.3%
-2.1% YoY
|
Bottom 0.0% in tier |
| Loan To Share |
63.9%
-15.0% YoY-7.8% QoQ
|
+3.3% |
60.6%
-3.1% YoY
|
70.0%
-2.2% YoY
|
67.4%
-1.7% YoY
|
54% |
| AMR |
$10,606
+5.1% YoY+4.5% QoQ
|
$-4K |
$14,783
-1.4% YoY
|
$18,770
+3.9% YoY
|
$19,687
+2.0% YoY
|
31% |
| CD Concentration |
11.3%
+191.0% YoY+191.8% QoQ
|
-13.2% | 24.4% | 22.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 6.7% | 7.8% | 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)