BlastPoint's Credit Union Scorecard
APPLIANCE
Charter #67976 · TN
APPLIANCE has 2 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Asset Growth Rate: Top 9.0% in tier
Key Concerns
Areas that may need attention
- - ROA 0.70% below tier average
- - Efficiency ratio 9.45% above tier (higher cost structure)
- - Member decline: -3.1% YoY
- - Loan Growth Rate: Bottom 7.6% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,995
-3.1% YoY-0.2% QoQ
|
-630 |
2,625
-2.2% YoY
|
21,139
+4.9% YoY
|
33,089
+6.1% YoY
|
51% |
| Assets |
$16.6M
+9.7% YoY+3.0% QoQ
|
$-13.3M |
$29.9M
+1.1% YoY
|
$362.5M
+9.5% YoY
|
$547.7M
+7.8% YoY
|
44% |
| Loans |
$5.4M
-18.3% YoY-4.0% QoQ
|
$-10.4M |
$15.8M
-2.4% YoY
|
$271.1M
+9.1% YoY
|
$388.7M
+8.6% YoY
|
36% |
| Deposits |
$14.1M
+5.5% YoY+1.1% QoQ
|
$-11.4M |
$25.5M
+0.4% YoY
|
$303.0M
+8.7% YoY
|
$464.6M
+9.3% YoY
|
44% |
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| ROA |
-0.0%
-89.9% YoY-92.6% QoQ
|
-0.7% |
0.7%
-731.4% YoY
|
0.8%
+4.1% YoY
|
0.7%
+273.4% YoY
|
16% |
| NIM |
3.3%
+13.6% YoY+1.1% QoQ
|
-0.6% |
3.9%
+3.8% YoY
|
3.8%
+5.1% YoY
|
3.7%
+5.0% YoY
|
28% |
| Efficiency Ratio |
90.8%
-3.5% YoY-1.1% QoQ
|
+9.5% |
81.4%
-2.4% YoY
|
75.4%
-1.8% YoY
|
79.1%
-3.3% YoY
|
78% |
| Delinquency Rate |
0.6%
-21.5% YoY+1234.7% QoQ
|
-0.9 |
1.5%
-2.0% YoY
|
1.1%
+8.5% YoY
|
1.2%
-0.9% YoY
|
46% |
| Loan To Share |
38.4%
-22.5% YoY-5.0% QoQ
|
-22.8% |
61.2%
-3.0% YoY
|
70.4%
-2.4% YoY
|
68.0%
-1.7% YoY
|
17% |
| AMR |
$9,749
+0.7% YoY-0.2% QoQ
|
$-5K |
$14,627
-2.7% YoY
|
$18,470
+2.4% YoY
|
$19,418
+1.3% YoY
|
28% |
| CD Concentration |
8.5%
+35.2% YoY+9.8% QoQ
|
-15.9% |
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)