BlastPoint's Credit Union Scorecard
ENRICHMENT
Charter #6778 · TN
ENRICHMENT has 4 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 28.3% in tier
- + Relationship Depth Leader: Top 94.4% in tier
- + ROA 0.66% above tier average
- + Total Deposits: Top 8.5% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 75.3% in tier
- - Indirect Auto Dependency: Bottom 77.2% in tier
- - Credit Risk Growth: Bottom 78.9% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
48,272
+2.8% YoY+0.1% QoQ
|
-3.8K |
52,084
-1.6% YoY
|
21,265
+4.5% YoY
|
33,374
+5.7% YoY
|
41% |
| Assets |
$963.1M
+5.1% YoY+1.9% QoQ
|
+$99.2M |
$863.9M
+0.5% YoY
|
$372.5M
+10.3% YoY
|
$561.6M
+9.7% YoY
|
Top 11.1% in tier |
| Loans |
$721.4M
+4.7% YoY+1.0% QoQ
|
+$115.6M |
$605.8M
+1.4% YoY
|
$275.7M
+8.6% YoY
|
$397.0M
+8.8% YoY
|
Top 14.5% in tier |
| Deposits |
$846.3M
+4.1% YoY+1.8% QoQ
|
+$109.0M |
$737.3M
+0.1% YoY
|
$312.1M
+9.5% YoY
|
$477.3M
+9.7% YoY
|
Top 9.4% in tier |
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| ROA |
1.4%
+7.8% YoY-0.9% QoQ
|
+0.7% |
0.7%
+39.1% YoY
|
0.7%
-5.8% YoY
|
0.7%
+15.9% YoY
|
Top 11.1% in tier |
| NIM |
3.3%
+7.5% YoY+0.4% QoQ
|
-0.1% |
3.4%
+8.7% YoY
|
3.8%
+3.7% YoY
|
3.8%
+5.1% YoY
|
40% |
| Efficiency Ratio |
61.6%
-4.1% YoY-2.0% QoQ
|
-12.8% |
74.3%
-3.6% YoY
|
79.4%
+2.9% YoY
|
79.7%
-3.3% YoY
|
Bottom 13.7% in tier |
| Delinquency Rate |
0.6%
+19.9% YoY-23.1% QoQ
|
-0.3 |
0.9%
+3.8% YoY
|
1.1%
-12.6% YoY
|
1.3%
-2.1% YoY
|
32% |
| Loan To Share |
85.2%
+0.6% YoY-0.8% QoQ
|
+2.7% |
82.6%
+1.1% YoY
|
70.0%
-2.2% YoY
|
67.4%
-1.7% YoY
|
48% |
| AMR |
$32,477
+1.5% YoY+1.4% QoQ
|
+$4K |
$28,873
+2.7% YoY
|
$18,770
+3.9% YoY
|
$19,687
+2.0% YoY
|
71% |
| CD Concentration |
32.9%
+1.9% YoY+0.8% QoQ
|
+8.4% | 24.4% | 22.4% | 19.8% | 78% |
| Indirect Auto % |
23.0%
+5.8% YoY-1.2% QoQ
|
+9.2% | 13.8% | 6.7% | 7.8% | 75% |
Signature Analysis
Strengths (2)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Concerns (3)
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.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
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)