BlastPoint's Credit Union Scorecard
RESOUND
Charter #67972 · TN
RESOUND has 7 strengths but faces 3 concerns
How does the industry compare?
What's your peer group doing?
How does TN stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 22.7% in tier
- + ROA 0.27% above tier average
- + Total Loans: Top 4.8% in tier
- + Total Members: Top 7.9% in tier
- + Asset Growth Rate: Top 8.5% in tier
- + Deposit Growth Rate: Top 8.5% in tier
- + Loan-to-Share Ratio: Top 9.7% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 6.7% in tier
- - Indirect Auto Dependency: Bottom 9.4% in tier
- - Indirect Auto Concentration (%): Bottom 2.4% in tier
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 165 credit unions with $500M-$750M in assets nationally, and 1 of 5 that size in Tennessee.
- Shares and deposits +10.6% year over year ($621M in shares and deposits).
- Membership: 50,396 members, +2.7% vs a year ago.
- Delinquency rate 0.68%.
- Return on assets 1.09%.
- Efficiency ratio 67.41% vs a 76.56% peer average.
- Loan-to-share ratio 95.86% vs a 79.33% 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 |
50,396
+2.7% YoY+0.8% QoQ
|
+12.5K |
37,897
-5.0% YoY
|
22,058
+4.8% YoY
|
34,678
+6.6% YoY
|
Top 8.5% in tier |
| Assets |
$704.4M
+10.2% YoY+0.6% QoQ
|
+$82.0M |
$622.4M
+0.6% YoY
|
$390.3M
+9.5% YoY
|
$593.1M
+10.2% YoY
|
79% |
| Loans |
$595.1M
+9.2% YoY+4.0% QoQ
|
+$166.6M |
$428.5M
-0.7% YoY
|
$289.3M
+8.5% YoY
|
$418.6M
+10.1% YoY
|
Top 5.5% in tier |
| Deposits |
$620.9M
+10.6% YoY+0.4% QoQ
|
+$81.1M |
$539.8M
+0.9% YoY
|
$326.4M
+8.9% YoY
|
$504.8M
+10.3% YoY
|
83% |
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| ROA |
1.1%
-4.7% YoY-6.7% QoQ
|
+0.3% |
0.8%
+39.5% YoY
|
1.1%
+46.9% YoY
|
1.2%
+121.4% YoY
|
74% |
| NIM |
3.5%
-4.4% YoY+0.5% QoQ
|
+0.0% |
3.5%
+5.0% YoY
|
3.9%
+2.1% YoY
|
3.8%
+2.3% YoY
|
46% |
| Efficiency Ratio |
67.4%
+2.9% YoY+1.8% QoQ
|
-9.1% |
76.6%
-3.6% YoY
|
78.9%
+2.6% YoY
|
83.0%
-5.3% YoY
|
15% |
| Delinquency Rate |
0.7%
-11.4% YoY+25.0% QoQ
|
-0.1 |
0.8%
+3.1% YoY
|
1.1%
-1.7% YoY
|
1.3%
+2.6% YoY
|
48% |
| Loan To Share |
95.9%
-1.3% YoY+3.6% QoQ
|
+16.5% |
79.3%
-1.4% YoY
|
68.7%
-1.7% YoY
|
66.4%
-1.4% YoY
|
Top 10.3% in tier |
| AMR |
$24,129
+7.0% YoY+1.3% QoQ
|
$-3K |
$27,294
+4.1% YoY
|
$19,228
+3.5% YoY
|
$20,028
-0.9% YoY
|
39% |
| CD Concentration |
25.3%
+8.1% YoY-3.5% QoQ
|
+0.8% | 24.6% | 22.4% | 20.0% | 53% |
| Indirect Auto % |
54.2%
+3.2% YoY+2.7% QoQ
|
+40.5% | 13.6% | 6.8% | 7.7% | Bottom 2.8% in tier |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (2)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
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)