BlastPoint's Credit Union Scorecard
EMPLOYEE RESOURCES
Charter #67789 · TN
EMPLOYEE RESOURCES has 6 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Leader: Top 50.0% in tier
- + Organic Growth Engine: Top 50.0% in tier
- + Emerging Performer: Top 50.0% in tier
- + Net Interest Margin 0.11% above tier average
- + Strong member growth: 5.5% YoY
- + Member Growth Rate: Top 8.3% in tier
Key Concerns
Areas that may need attention
- - ROA 0.32% below tier average
- - Average Member Relationship (AMR): Bottom 2.9% in tier
- - Share Certificate Concentration (%): Bottom 8.8% 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 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 25 that size in Tennessee.
- Shares and deposits +3.4% year over year ($168M in shares and deposits).
- Membership: 25,183 members, +5.5% vs a year ago.
- Delinquency rate 0.58%.
- Return on assets 0.54%.
- Efficiency ratio 75.39% vs a 76.73% peer average.
- Loan-to-share ratio 88.71% vs a 71.54% 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 |
25,183
+5.5% YoY+1.5% QoQ
|
+10.0K |
15,168
-2.6% YoY
|
22,058
+4.8% YoY
|
34,678
+6.6% YoY
|
Top 12.1% in tier |
| Assets |
$185.5M
+3.9% YoY+0.4% QoQ
|
$-46.5M |
$232.0M
+0.7% YoY
|
$390.3M
+9.5% YoY
|
$593.1M
+10.2% YoY
|
46% |
| Loans |
$148.7M
+10.7% YoY+8.3% QoQ
|
+$2.4M |
$146.3M
+0.2% YoY
|
$289.3M
+8.5% YoY
|
$418.6M
+10.1% YoY
|
61% |
| Deposits |
$167.6M
+3.4% YoY+0.1% QoQ
|
$-33.1M |
$200.7M
+0.2% YoY
|
$326.4M
+8.9% YoY
|
$504.8M
+10.3% YoY
|
48% |
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| ROA |
0.5%
+20.9% YoY+88.7% QoQ
|
-0.3% |
0.9%
+12.5% YoY
|
1.1%
+46.9% YoY
|
1.2%
+121.4% YoY
|
32% |
| NIM |
3.8%
+17.7% YoY+6.9% QoQ
|
+0.1% |
3.7%
+4.5% YoY
|
3.9%
+2.1% YoY
|
3.8%
+2.3% YoY
|
58% |
| Efficiency Ratio |
75.4%
+1.1% YoY-4.4% QoQ
|
-1.3% |
76.7%
-0.8% YoY
|
78.9%
+2.6% YoY
|
83.0%
-5.3% YoY
|
42% |
| Delinquency Rate |
0.6%
-41.7% YoY+14.5% QoQ
|
-0.3 |
0.9%
+6.6% YoY
|
1.1%
-1.7% YoY
|
1.3%
+2.6% YoY
|
43% |
| Loan To Share |
88.7%
+7.1% YoY+8.1% QoQ
|
+17.2% |
71.5%
-0.3% YoY
|
68.7%
-1.7% YoY
|
66.4%
-1.4% YoY
|
83% |
| AMR |
$12,561
+1.2% YoY+2.2% QoQ
|
$-13K |
$25,107
+3.2% YoY
|
$19,228
+3.5% YoY
|
$20,028
-0.9% YoY
|
Bottom 2.8% in tier |
| CD Concentration |
39.2%
-1.3% YoY-0.4% QoQ
|
+14.6% | 24.6% | 22.4% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 6.8% | 7.7% | 50% |
Signature Analysis
Strengths (3)
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
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)