BlastPoint's Credit Union Scorecard
TENNESSEE DEPARTMENT OF SAFETY
Charter #67971 · TN
TENNESSEE DEPARTMENT OF SAFETY demonstrates 9 strengths
Key Strengths
Areas where this CU excels compared to peers
- + ROA 3.48% above tier average
- + Net Interest Margin 2.25% above tier average
- + Total Delinquency Rate (60+ days): Top 0.0% in tier
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Loan-to-Share Ratio: Top 1.1% in tier
- + Efficiency Ratio: Top 1.5% in tier
- + Members Per Employee (MPE): Top 2.6% in tier
- + Net Worth Ratio: Top 9.4% in tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,663
+0.9% YoY+0.2% QoQ
|
-962 |
2,625
-2.2% YoY
|
21,139
+4.9% YoY
|
33,089
+6.1% YoY
|
44% |
| Assets |
$11.5M
-0.6% YoY-2.3% QoQ
|
$-18.3M |
$29.9M
+1.1% YoY
|
$362.5M
+9.5% YoY
|
$547.7M
+7.8% YoY
|
35% |
| Loans |
$9.9M
+2.2% YoY+3.3% QoQ
|
$-5.8M |
$15.8M
-2.4% YoY
|
$271.1M
+9.1% YoY
|
$388.7M
+8.6% YoY
|
51% |
| Deposits |
$8.6M
-4.6% YoY-4.1% QoQ
|
$-16.9M |
$25.5M
+0.4% YoY
|
$303.0M
+8.7% YoY
|
$464.6M
+9.3% YoY
|
33% |
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| ROA |
4.2%
+23.7% YoY-18.7% QoQ
|
+3.5% |
0.7%
-731.4% YoY
|
0.8%
+4.1% YoY
|
0.7%
+273.4% YoY
|
Top 1.1% in tier |
| NIM |
6.2%
+16.5% YoY+1.9% QoQ
|
+2.2% |
3.9%
+3.8% YoY
|
3.8%
+5.1% YoY
|
3.7%
+5.0% YoY
|
Top 3.6% in tier |
| Efficiency Ratio |
34.6%
-9.6% YoY+90.1% QoQ
|
-46.8% |
81.4%
-2.4% YoY
|
75.4%
-1.8% YoY
|
79.1%
-3.3% YoY
|
Bottom 1.5% in tier |
| Delinquency Rate |
0.0%
-100.0% YoY
|
-1.5 |
1.5%
-2.0% YoY
|
1.1%
+8.5% YoY
|
1.2%
-0.9% YoY
|
Bottom 0.0% in tier |
| Loan To Share |
115.8%
+7.2% YoY+7.8% QoQ
|
+54.5% |
61.2%
-3.0% YoY
|
70.4%
-2.4% YoY
|
68.0%
-1.7% YoY
|
Top 1.3% in tier |
| AMR |
$11,134
-1.9% YoY-0.5% QoQ
|
$-3K |
$14,627
-2.7% YoY
|
$18,470
+2.4% YoY
|
$19,418
+1.3% YoY
|
34% |
| CD Concentration |
23.8%
-4.0% YoY-6.0% QoQ
|
-0.6% |
24.4%
+4.2% YoY
|
22.3%
+6.6% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
6.9%
+1.1% YoY
|
7.9%
-2.9% YoY
|
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)