BlastPoint's Credit Union Scorecard
P.I.A.S.
Charter #67779 · TN
P.I.A.S. has 3 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.19% above tier average
- + Total Delinquency Rate (60+ days): Top 0.1% in tier
- + AMR Growth Rate: Top 5.7% in tier
Key Concerns
Areas that may need attention
- - Efficiency ratio 1.37% above tier (higher cost structure)
- - Member decline: -6.6% YoY
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
527
-6.6% YoY-2.9% QoQ
|
-2.1K |
2,676
+1.6% YoY
|
21,412
+3.7% YoY
|
33,913
+5.7% YoY
|
Bottom 14.3% in tier |
| Assets |
$4.3M
+6.0% YoY+0.5% QoQ
|
$-25.9M |
$30.2M
+1.3% YoY
|
$379.6M
+8.7% YoY
|
$578.3M
+9.0% YoY
|
16% |
| Loans |
$2.3M
+1.4% YoY+0.6% QoQ
|
$-13.0M |
$15.3M
-2.0% YoY
|
$279.0M
+7.7% YoY
|
$402.4M
+8.7% YoY
|
19% |
| Deposits |
$3.5M
+8.7% YoY+0.3% QoQ
|
$-22.3M |
$25.8M
+0.7% YoY
|
$319.1M
+8.0% YoY
|
$494.3M
+9.1% YoY
|
17% |
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| ROA |
0.3%
+216.1% YoY-110.0% QoQ
|
+0.2% |
0.1%
-77.6% YoY
|
0.6%
-5.0% YoY
|
0.4%
-39.2% YoY
|
37% |
| NIM |
4.0%
+1.2% YoY+2.2% QoQ
|
+0.0% |
4.0%
+4.0% YoY
|
3.9%
+5.1% YoY
|
3.8%
+4.1% YoY
|
59% |
| Efficiency Ratio |
92.0%
-4.9% YoY-80.0% QoQ
|
+1.4% |
90.6%
+6.5% YoY
|
79.6%
+1.7% YoY
|
84.6%
+2.8% YoY
|
73% |
| Delinquency Rate | 0.0% | -1.5 |
1.5%
+3.8% YoY
|
0.9%
-14.5% YoY
|
1.2%
+3.4% YoY
|
Top 0.1% in tier |
| Loan To Share |
64.1%
-6.7% YoY+0.3% QoQ
|
+5.6% |
58.5%
-3.0% YoY
|
68.3%
-1.5% YoY
|
65.6%
-1.4% YoY
|
58% |
| AMR |
$10,978
+13.2% YoY+3.5% QoQ
|
$-4K |
$14,884
-1.7% YoY
|
$18,957
+3.0% YoY
|
$19,920
+1.6% YoY
|
33% |
| CD Concentration |
12.1%
+187.0% YoY+7.3% QoQ
|
-12.2% | 24.3% | 22.3% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 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)