BlastPoint's Credit Union Scorecard
ENRICHMENT
Charter #6778 · TN
ENRICHMENT has 4 strengths but faces 1 concern
How does the industry compare?
What's your peer group doing?
How does TN stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Relationship Depth Leader: Top 65.0% in tier
- + ROA 0.14% above tier average
- + Total Assets: Top 7.7% in tier
- + Total Deposits: Top 8.5% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 43.3% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
48,359
+2.4% YoY+0.2% QoQ
|
-3.1K |
51,500
+0.7% YoY
|
21,412
+3.7% YoY
|
33,913
+5.7% YoY
|
42% |
| Assets |
$972.5M
+4.9% YoY+1.0% QoQ
|
+$106.9M |
$865.6M
+0.9% YoY
|
$379.6M
+8.7% YoY
|
$578.3M
+9.0% YoY
|
Top 8.5% in tier |
| Loans |
$722.7M
+5.0% YoY+0.2% QoQ
|
+$127.5M |
$595.3M
+1.6% YoY
|
$279.0M
+7.7% YoY
|
$402.4M
+8.7% YoY
|
Top 12.0% in tier |
| Deposits |
$853.3M
+3.9% YoY+0.8% QoQ
|
+$111.1M |
$742.2M
+0.6% YoY
|
$319.1M
+8.0% YoY
|
$494.3M
+9.1% YoY
|
Top 9.4% in tier |
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| ROA |
0.9%
-8.4% YoY-36.2% QoQ
|
+0.1% |
0.8%
+45.0% YoY
|
0.6%
-5.0% YoY
|
0.4%
-39.2% YoY
|
66% |
| NIM |
3.3%
+1.1% YoY-0.2% QoQ
|
-0.2% |
3.5%
+6.1% YoY
|
3.9%
+5.1% YoY
|
3.8%
+4.1% YoY
|
40% |
| Efficiency Ratio |
68.3%
-5.0% YoY+10.9% QoQ
|
-7.3% |
75.5%
-3.4% YoY
|
79.6%
+1.7% YoY
|
84.6%
+2.8% YoY
|
21% |
| Delinquency Rate |
0.3%
-28.6% YoY-54.1% QoQ
|
-0.4 |
0.7%
-0.1% YoY
|
0.9%
-14.5% YoY
|
1.2%
+3.4% YoY
|
18% |
| Loan To Share |
84.7%
+1.0% YoY-0.6% QoQ
|
+4.1% |
80.6%
+0.7% YoY
|
68.3%
-1.5% YoY
|
65.6%
-1.4% YoY
|
52% |
| AMR |
$32,590
+1.9% YoY+0.3% QoQ
|
+$4K |
$28,908
+0.7% YoY
|
$18,957
+3.0% YoY
|
$19,920
+1.6% YoY
|
74% |
| CD Concentration |
32.8%
+2.6% YoY-0.2% QoQ
|
+8.5% | 24.3% | 22.3% | 19.8% | 79% |
| Indirect Auto % |
22.9%
+2.7% YoY-0.3% QoQ
|
+9.1% | 13.8% | 6.8% | 7.7% | 75% |
Signature Analysis
Strengths (1)
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Concerns (1)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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)