BlastPoint's Credit Union Scorecard
ENRICHMENT
Charter #6778 · TN
ENRICHMENT has 3 strengths but faces 3 concerns
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
- + Organic Growth Engine: Top 8.4% in tier
- + Profitability Leader: Top 52.5% in tier
- + ROA 0.71% above tier average
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 9.4% in tier
- - Credit Quality Pressure: Bottom 10.5% in tier
- - Indirect Auto Dependency: Bottom 27.7% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
48,224
+3.2% YoY+0.7% QoQ
|
-3.9K |
52,114
-2.1% YoY
|
21,139
+4.9% YoY
|
33,089
+6.1% YoY
|
41% |
| Assets |
$945.4M
+2.8% YoY+1.3% QoQ
|
+$86.4M |
$859.0M
+0.0% YoY
|
$362.5M
+9.5% YoY
|
$547.7M
+7.8% YoY
|
Top 14.3% in tier |
| Loans |
$714.0M
+6.5% YoY+2.6% QoQ
|
+$110.6M |
$603.4M
+1.0% YoY
|
$271.1M
+9.1% YoY
|
$388.7M
+8.6% YoY
|
83% |
| Deposits |
$831.0M
+1.6% YoY+0.9% QoQ
|
+$96.8M |
$734.2M
+0.9% YoY
|
$303.0M
+8.7% YoY
|
$464.6M
+9.3% YoY
|
Top 13.4% in tier |
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| ROA |
1.4%
+9.3% YoY+13.8% QoQ
|
+0.7% |
0.7%
+27.6% YoY
|
0.8%
+4.1% YoY
|
0.7%
+273.4% YoY
|
Top 9.8% in tier |
| NIM |
3.3%
+6.5% YoY+0.7% QoQ
|
-0.1% |
3.4%
+9.6% YoY
|
3.8%
+5.1% YoY
|
3.7%
+5.0% YoY
|
42% |
| Efficiency Ratio |
62.8%
-3.2% YoY-4.4% QoQ
|
-11.7% |
74.5%
-3.2% YoY
|
75.4%
-1.8% YoY
|
79.1%
-3.3% YoY
|
18% |
| Delinquency Rate |
0.7%
+71.7% YoY+41.6% QoQ
|
-0.1 |
0.8%
+5.0% YoY
|
1.1%
+8.5% YoY
|
1.2%
-0.9% YoY
|
55% |
| Loan To Share |
85.9%
+4.8% YoY+1.6% QoQ
|
+3.3% |
82.7%
+0.1% YoY
|
70.4%
-2.4% YoY
|
68.0%
-1.7% YoY
|
46% |
| AMR |
$32,038
+0.6% YoY+1.0% QoQ
|
+$3K |
$28,651
+2.5% YoY
|
$18,470
+2.4% YoY
|
$19,418
+1.3% YoY
|
72% |
| CD Concentration |
32.6%
-3.3% YoY+1.7% QoQ
|
+8.2% |
24.4%
+4.2% YoY
|
22.3%
+6.6% YoY
|
19.6%
+6.2% YoY
|
78% |
| Indirect Auto % |
23.3%
+16.8% YoY+0.1% QoQ
|
+9.3% |
14.0%
-5.7% YoY
|
6.9%
+1.1% YoY
|
7.9%
-2.9% YoY
|
75% |
Signature Analysis
Strengths (2)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Profitability Leader
growthTop-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.
Concerns (3)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)