BlastPoint's Credit Union Scorecard
DIXIE LINE
Charter #67937 · TN
DIXIE LINE has 1 strength but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + AMR Growth Rate: Top 0.7% in tier
Key Concerns
Areas that may need attention
- - ROA 1.73% below tier average
- - Efficiency ratio 15.38% above tier (higher cost structure)
- - Member decline: -29.2% YoY
- - Share Certificate Concentration (%): Bottom 0.6% in tier
- - Member Growth Rate: Bottom 1.2% in tier
- - Net Charge-Off Rate: Bottom 5.0% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
830
-29.2% YoY-0.5% QoQ
|
-1.8K |
2,615
-1.9% YoY
|
21,265
+4.5% YoY
|
33,374
+5.7% YoY
|
24% |
| Assets |
$13.2M
+3.2% YoY-0.8% QoQ
|
$-16.9M |
$30.1M
+2.1% YoY
|
$372.5M
+10.3% YoY
|
$561.6M
+9.7% YoY
|
38% |
| Loans |
$7.8M
-1.3% YoY-0.1% QoQ
|
$-7.9M |
$15.8M
-1.3% YoY
|
$275.7M
+8.6% YoY
|
$397.0M
+8.8% YoY
|
44% |
| Deposits |
$10.9M
+5.3% YoY-0.4% QoQ
|
$-14.8M |
$25.7M
+1.4% YoY
|
$312.1M
+9.5% YoY
|
$477.3M
+9.7% YoY
|
38% |
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| ROA |
-1.1%
-280.6% YoY-2.7% QoQ
|
-1.7% |
0.6%
+10.8% YoY
|
0.7%
-5.8% YoY
|
0.7%
+15.9% YoY
|
Bottom 5.4% in tier |
| NIM |
3.7%
-7.9% YoY+0.1% QoQ
|
-0.2% |
4.0%
+4.0% YoY
|
3.8%
+3.7% YoY
|
3.8%
+5.1% YoY
|
43% |
| Efficiency Ratio |
97.9%
+23.7% YoY+1.4% QoQ
|
+15.4% |
82.6%
-2.3% YoY
|
79.4%
+2.9% YoY
|
79.7%
-3.3% YoY
|
Bottom 13.7% in tier |
| Delinquency Rate |
1.5%
-75.4% YoY-3.8% QoQ
|
-0.1 |
1.6%
-3.1% YoY
|
1.1%
-12.6% YoY
|
1.3%
-2.1% YoY
|
71% |
| Loan To Share |
71.8%
-6.3% YoY+0.3% QoQ
|
+11.2% |
60.6%
-3.1% YoY
|
70.0%
-2.2% YoY
|
67.4%
-1.7% YoY
|
66% |
| AMR |
$22,552
+44.7% YoY+0.2% QoQ
|
+$8K |
$14,783
-1.4% YoY
|
$18,770
+3.9% YoY
|
$19,687
+2.0% YoY
|
Top 13.1% in tier |
| CD Concentration |
70.0%
+11.2% YoY+1.1% QoQ
|
+45.6% | 24.4% | 22.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 6.7% | 7.8% | 50% |
Signature Analysis
Strengths (0)
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)