BlastPoint's Credit Union Scorecard
TENNESSEE DEPARTMENT OF SAFETY
Charter #67971 · TN
TENNESSEE DEPARTMENT OF SAFETY demonstrates 8 strengths
Key Strengths
Areas where this CU excels compared to peers
- + ROA 2.91% above tier average
- + Net Interest Margin 2.10% above tier average
- + Total Delinquency Rate (60+ days): Top 0.1% in tier
- + Loan-to-Share Ratio: Top 0.5% in tier
- + Efficiency Ratio: Top 1.0% in tier
- + Members Per Employee (MPE): Top 2.5% in tier
- + Net Worth Ratio: Top 8.7% in tier
- + Loan Growth Rate: Top 9.1% in tier
Key Concerns
Areas that may need attention
No key concerns identified
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 2,437 credit unions with under $100M in assets nationally, and 1 of 84 that size in Tennessee.
- Shares and deposits -2.3% year over year ($8.7M in shares and deposits).
- Membership: 1,677 members, +1.1% vs a year ago.
- Delinquency rate 0.00%.
- Return on assets 4.40%.
- Efficiency ratio 36.11% vs a 88.77% peer average.
- Loan-to-share ratio 122.10% vs a 58.89% 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 |
1,677
+1.1% YoY0% QoQ
|
-908 |
2,585
-1.7% YoY
|
22,058
+4.8% YoY
|
34,678
+6.6% YoY
|
45% |
| Assets |
$12.0M
+1.1% YoY-1.4% QoQ
|
$-18.3M |
$30.3M
+1.5% YoY
|
$390.3M
+9.5% YoY
|
$593.1M
+10.2% YoY
|
36% |
| Loans |
$10.7M
+11.0% YoY+4.4% QoQ
|
$-4.8M |
$15.5M
-1.7% YoY
|
$289.3M
+8.5% YoY
|
$418.6M
+10.1% YoY
|
53% |
| Deposits |
$8.7M
-2.3% YoY-2.8% QoQ
|
$-17.1M |
$25.8M
+1.1% YoY
|
$326.4M
+8.9% YoY
|
$504.8M
+10.3% YoY
|
33% |
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| ROA |
4.4%
-14.0% YoY+6.5% QoQ
|
+2.9% |
1.5%
+241.5% YoY
|
1.1%
+46.9% YoY
|
1.2%
+121.4% YoY
|
Top 2.2% in tier |
| NIM |
6.0%
-1.1% YoY-3.1% QoQ
|
+2.1% |
3.9%
+0.9% YoY
|
3.9%
+2.1% YoY
|
3.8%
+2.3% YoY
|
Top 3.5% in tier |
| Efficiency Ratio |
36.1%
+98.5% YoY-3.0% QoQ
|
-52.7% |
88.8%
-6.9% YoY
|
78.9%
+2.6% YoY
|
83.0%
-5.3% YoY
|
Top 1.0% in tier |
| Delinquency Rate | 0.0% | -1.5 |
1.5%
+2.1% YoY
|
1.1%
-1.7% YoY
|
1.3%
+2.6% YoY
|
Top 0.1% in tier |
| Loan To Share |
122.1%
+13.7% YoY+7.4% QoQ
|
+63.2% |
58.9%
-3.1% YoY
|
68.7%
-1.7% YoY
|
66.4%
-1.4% YoY
|
Top 0.7% in tier |
| AMR |
$11,579
+3.5% YoY+1.1% QoQ
|
$-3K |
$14,963
-6.8% YoY
|
$19,228
+3.5% YoY
|
$20,028
-0.9% YoY
|
36% |
| CD Concentration |
23.5%
-7.3% YoY-3.2% QoQ
|
-1.1% | 24.6% | 22.4% | 20.0% | 50% |
| Indirect Auto % |
0.0%
-100.0% QoQ
|
-13.6% | 13.6% | 6.8% | 7.7% | 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)