BlastPoint's Credit Union Scorecard
BOWATER EMPLOYEES
Charter #67970 · TN
BOWATER EMPLOYEES has 7 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 9.1% in tier
- + Organic Growth Leader: Top 12.3% in tier
- + Wallet Share Momentum: Top 21.2% in tier
- + Relationship Depth Leader: Top 24.5% in tier
- + ROA 0.11% above tier average
- + Net Interest Margin 0.41% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - Margin Compression: Bottom 11.2% in tier
- - Growth-at-Risk: Bottom 14.4% in tier
- - Credit Quality Pressure: Bottom 15.8% in tier
- - Delinquency rate 0.03% above tier average
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
20,571
+3.2% YoY+0.3% QoQ
|
+4.9K |
15,628
-3.4% YoY
|
21,139
+4.9% YoY
|
33,089
+6.1% YoY
|
77% |
| Assets |
$299.4M
+8.2% YoY-3.9% QoQ
|
+$68.1M |
$231.3M
-0.0% YoY
|
$362.5M
+9.5% YoY
|
$547.7M
+7.8% YoY
|
73% |
| Loans |
$204.6M
+6.5% YoY+1.2% QoQ
|
+$56.8M |
$147.8M
-1.4% YoY
|
$271.1M
+9.1% YoY
|
$388.7M
+8.6% YoY
|
76% |
| Deposits |
$267.7M
+7.9% YoY-4.7% QoQ
|
+$67.4M |
$200.3M
-0.0% YoY
|
$303.0M
+8.7% YoY
|
$464.6M
+9.3% YoY
|
75% |
| ROA |
0.9%
-40.3% YoY+34.2% QoQ
|
+0.1% |
0.8%
+15.5% YoY
|
0.8%
+4.1% YoY
|
0.7%
+273.4% YoY
|
59% |
| NIM |
4.0%
+3.1% YoY+8.7% QoQ
|
+0.4% |
3.6%
+6.9% YoY
|
3.8%
+5.1% YoY
|
3.7%
+5.0% YoY
|
73% |
| Efficiency Ratio |
71.1%
+4.6% YoY-3.7% QoQ
|
-6.2% |
77.3%
-3.0% YoY
|
75.4%
-1.8% YoY
|
79.1%
-3.3% YoY
|
28% |
| Delinquency Rate |
0.9%
+24.1% YoY+27.4% QoQ
|
+0.0 |
0.9%
+7.6% YoY
|
1.1%
+8.5% YoY
|
1.2%
-0.9% YoY
|
65% |
| Loan To Share |
76.4%
-1.3% YoY+6.3% QoQ
|
+3.7% |
72.7%
-1.5% YoY
|
70.4%
-2.4% YoY
|
68.0%
-1.7% YoY
|
55% |
| AMR |
$22,959
+4.0% YoY-2.5% QoQ
|
$-1K |
$24,363
+2.9% YoY
|
$18,470
+2.4% YoY
|
$19,418
+1.3% YoY
|
53% |
| CD Concentration |
30.9%
+3.6% YoY-6.5% QoQ
|
+6.5% |
24.4%
+4.2% YoY
|
22.3%
+6.6% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
6.9%
+1.1% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (4)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Organic Growth Leader
growthAttracting members without relying on indirect channels. Healthy, sustainable growth model.
Wallet Share Momentum
growthAverage member relationship growing year-over-year. Members are deepening their engagement.
Relationship Depth Leader
growthAverage member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.
Concerns (3)
Margin Compression
declineStrong profitability track record but margins eroding. Something changed - rising costs or falling yields need addressing.
Growth-at-Risk
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)