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 3.53% above tier average
- + Net Interest Margin 2.35% 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 1.0% in tier
- + Efficiency Ratio: Top 1.1% in tier
- + Members Per Employee (MPE): Top 2.5% in tier
- + Net Worth Ratio: Top 8.7% in tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,669
+2.1% YoY+0.4% QoQ
|
-946 |
2,615
-1.9% YoY
|
21,265
+4.5% YoY
|
33,374
+5.7% YoY
|
44% |
| Assets |
$11.7M
-0.2% YoY+1.5% QoQ
|
$-18.4M |
$30.1M
+2.1% YoY
|
$372.5M
+10.3% YoY
|
$561.6M
+9.7% YoY
|
35% |
| Loans |
$9.8M
+3.9% YoY-0.9% QoQ
|
$-5.9M |
$15.8M
-1.3% YoY
|
$275.7M
+8.6% YoY
|
$397.0M
+8.8% YoY
|
51% |
| Deposits |
$8.6M
-4.3% YoY+0.8% QoQ
|
$-17.0M |
$25.7M
+1.4% YoY
|
$312.1M
+9.5% YoY
|
$477.3M
+9.7% YoY
|
33% |
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| ROA |
4.2%
+27.3% YoY-0.2% QoQ
|
+3.5% |
0.6%
+10.8% YoY
|
0.7%
-5.8% YoY
|
0.7%
+15.9% YoY
|
Top 0.7% in tier |
| NIM |
6.3%
+18.9% YoY+1.9% QoQ
|
+2.3% |
4.0%
+4.0% YoY
|
3.8%
+3.7% YoY
|
3.8%
+5.1% YoY
|
Top 2.9% in tier |
| Efficiency Ratio |
35.8%
-10.8% YoY+3.6% QoQ
|
-46.8% |
82.6%
-2.3% YoY
|
79.4%
+2.9% YoY
|
79.7%
-3.3% YoY
|
Bottom 1.1% in tier |
| Delinquency Rate |
0.0%
-100.0% YoY
|
-1.6 |
1.6%
-3.1% YoY
|
1.1%
-12.6% YoY
|
1.3%
-2.1% YoY
|
Bottom 0.0% in tier |
| Loan To Share |
113.8%
+8.6% YoY-1.7% QoQ
|
+53.2% |
60.6%
-3.1% YoY
|
70.0%
-2.2% YoY
|
67.4%
-1.7% YoY
|
Top 1.1% in tier |
| AMR |
$11,079
-2.2% YoY-0.5% QoQ
|
$-4K |
$14,783
-1.4% YoY
|
$18,770
+3.9% YoY
|
$19,687
+2.0% YoY
|
34% |
| CD Concentration |
23.7%
-5.2% YoY-0.5% QoQ
|
-0.8% | 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)