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 61.8% in tier
- + ROA 0.53% above tier average
- + Total Assets: Top 0.9% in tier
- + Total Deposits: Top 5.4% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 38.2% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 111 credit unions with $750M-$1B in assets nationally, and 1 of 3 that size in Tennessee.
- Shares and deposits +4.5% year over year ($861M in shares and deposits).
- Membership: 48,671 members, +1.6% vs a year ago.
- Delinquency rate 0.37%.
- Return on assets 1.38%.
- Efficiency ratio 62.18% vs a 74.54% peer average.
- Loan-to-share ratio 83.70% vs a 82.60% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
48,671
+1.6% YoY+0.6% QoQ
|
-3.8K |
52,482
+1.3% YoY
|
22,058
+4.8% YoY
|
34,678
+6.6% YoY
|
42% |
| Assets |
$984.4M
+5.5% YoY+1.2% QoQ
|
+$120.5M |
$863.9M
+0.5% YoY
|
$390.3M
+9.5% YoY
|
$593.1M
+10.2% YoY
|
Top 1.8% in tier |
| Loans |
$720.3M
+3.5% YoY-0.3% QoQ
|
+$112.5M |
$607.8M
+2.1% YoY
|
$289.3M
+8.5% YoY
|
$418.6M
+10.1% YoY
|
82% |
| Deposits |
$860.5M
+4.5% YoY+0.8% QoQ
|
+$120.6M |
$739.9M
+0.2% YoY
|
$326.4M
+8.9% YoY
|
$504.8M
+10.3% YoY
|
Top 6.3% in tier |
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| ROA |
1.4%
+10.4% YoY+53.3% QoQ
|
+0.5% |
0.8%
+30.4% YoY
|
1.1%
+46.9% YoY
|
1.2%
+121.4% YoY
|
83% |
| NIM |
3.3%
+2.4% YoY+1.4% QoQ
|
-0.2% |
3.5%
+6.2% YoY
|
3.9%
+2.1% YoY
|
3.8%
+2.3% YoY
|
36% |
| Efficiency Ratio |
62.2%
-5.3% YoY-8.9% QoQ
|
-12.4% |
74.5%
-1.4% YoY
|
78.9%
+2.6% YoY
|
83.0%
-5.3% YoY
|
Top 11.7% in tier |
| Delinquency Rate |
0.4%
-27.5% YoY+44.9% QoQ
|
-0.4 |
0.8%
+1.0% YoY
|
1.1%
-1.7% YoY
|
1.3%
+2.6% YoY
|
22% |
| Loan To Share |
83.7%
-1.0% YoY-1.2% QoQ
|
+1.1% |
82.6%
+1.9% YoY
|
68.7%
-1.7% YoY
|
66.4%
-1.4% YoY
|
45% |
| AMR |
$32,479
+2.4% YoY-0.3% QoQ
|
+$4K |
$28,702
+0.4% YoY
|
$19,228
+3.5% YoY
|
$20,028
-0.9% YoY
|
75% |
| CD Concentration |
31.9%
-0.6% YoY-2.8% QoQ
|
+7.3% | 24.6% | 22.4% | 20.0% | 76% |
| Indirect Auto % |
22.7%
-2.4% YoY-1.0% QoQ
|
+9.1% | 13.6% | 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)