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BlastPoint's Credit Union Scorecard

DIXIE LINE

Charter #67937 · TN

<100M
2508 CUs in <100M nationally 86 in TN

DIXIE LINE has 4 strengths but faces 1 concern

Key Strengths

Areas where this CU excels compared to peers

  • + ROA 0.25% above tier average
  • + Net Interest Margin 0.16% above tier average
  • + Deposit Growth Rate: Top 4.9% in tier
  • + Asset Growth Rate: Top 8.9% in tier

Key Concerns

Areas that may need attention

  • - Share Certificate Concentration (%): Bottom 0.5% in tier

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (TN) National Avg Tier Percentile
Members 823
-1.1% YoY-0.8% QoQ
-1.9K 2,676
+1.6% YoY
21,412
+3.7% YoY
33,913
+5.7% YoY
24%
Assets $13.9M
+9.0% YoY+5.1% QoQ
$-16.3M $30.2M
+1.3% YoY
$379.6M
+8.7% YoY
$578.3M
+9.0% YoY
39%
Loans $7.5M
-3.6% YoY-4.1% QoQ
$-7.8M $15.3M
-2.0% YoY
$279.0M
+7.7% YoY
$402.4M
+8.7% YoY
44%
Deposits $11.6M
+13.0% YoY+6.5% QoQ
$-14.2M $25.8M
+0.7% YoY
$319.1M
+8.0% YoY
$494.3M
+9.1% YoY
39%

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Tier 1
50+ financial metrics with peer benchmarks
Performance signatures (strengths & concerns)
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ROA 0.4%
+178.7% YoY-135.3% QoQ
+0.2% 0.1%
-77.6% YoY
0.6%
-5.0% YoY
0.4%
-39.2% YoY
39%
NIM 4.2%
+15.0% YoY+11.6% QoQ
+0.2% 4.0%
+4.0% YoY
3.9%
+5.1% YoY
3.8%
+4.1% YoY
65%
Efficiency Ratio 82.9%
-14.1% YoY-15.3% QoQ
-7.7% 90.6%
+6.5% YoY
79.6%
+1.7% YoY
84.6%
+2.8% YoY
53%
Delinquency Rate 0.9%
-83.2% YoY-40.1% QoQ
-0.6 1.5%
+3.8% YoY
0.9%
-14.5% YoY
1.2%
+3.4% YoY
61%
Loan To Share 64.7%
-14.7% YoY-10.0% QoQ
+6.2% 58.5%
-3.0% YoY
68.3%
-1.5% YoY
65.6%
-1.4% YoY
59%
AMR $23,208
+7.0% YoY+2.9% QoQ
+$8K $14,884
-1.7% YoY
$18,957
+3.0% YoY
$19,920
+1.6% YoY
Top 12.0% in tier
CD Concentration 71.9%
+13.6% YoY+2.8% QoQ
+47.7% 24.3% 22.3% 19.8% 50%
Indirect Auto % 0.0% -13.8% 13.8% 6.8% 7.7% 50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

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)

Comparing against 2508 peers in tier

Top Strengths (7 metrics)

1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Median: 0.00%
#1 of 2508 Top 0.1% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value: 0.00%
Peer Median: 3.66%
#1 of 2508 Top 0.1% in <100M tier
123
Deposit Growth Rate
growth
Value: 13.03%
Peer Median: 0.66%
#123 of 2508 Top 4.9% in <100M tier
224
Asset Growth Rate
growth
Value: 9.02%
Peer Median: 1.30%
#224 of 2508 Top 8.9% in <100M tier
278
Loan-to-Member Ratio (LMR)
engagement
Value: $9,115
Peer Median: $4,923
#278 of 2508 Top 11.0% in <100M tier
302
Average Member Relationship (AMR)
engagement
Value: $23,208
Peer Median: $13,926
#302 of 2508 Top 12.0% in <100M tier
421
AMR Growth Rate
growth
Value: 7.03%
Peer Median: 1.27%
#421 of 2508 Top 16.7% in <100M tier

Top Weaknesses (4 metrics)

2496
Share Certificate Concentration (%)
balance_sheet
Value: 71.95%
Peer Median: 12.45%
#2496 of 2508 Bottom 0.5% in <100M tier
2087
Members Per Employee (MPE)
engagement
Value: 205.750
Peer Median: 333.750
#2087 of 2508 Bottom 16.8% in <100M tier
1975
Net Charge-Off Rate
risk
Value: 0.65%
Peer Median: 0.07%
#1975 of 2508 Bottom 21.3% in <100M tier
1914
Total Members
engagement
Value: 823
Peer Median: 1,918
#1914 of 2508 Bottom 23.7% in <100M tier
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