BlastPoint's Credit Union Scorecard
OLD HICKORY
Charter #67982 · TN
OLD HICKORY has 2 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.09% above tier average
- + Net Interest Margin 0.39% above tier average
Key Concerns
Areas that may need attention
- - Flatlined Growth: Bottom 50.0% in tier
- - Indirect Auto Dependency: Bottom 50.0% in tier
- - Shrinking Wallet Share: Bottom 50.0% in tier
- - Delinquency rate 0.29% above tier average
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 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 25 that size in Tennessee.
- Shares and deposits +0.7% year over year ($310M in shares and deposits).
- Membership: 21,590 members, +0.1% vs a year ago.
- Delinquency rate 1.17%.
- Return on assets 0.95%.
- Efficiency ratio 76.26% vs a 76.73% peer average.
- Loan-to-share ratio 71.03% vs a 71.54% 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 |
21,590
+0.1% YoY-0.3% QoQ
|
+6.4K |
15,168
-2.6% YoY
|
22,058
+4.8% YoY
|
34,678
+6.6% YoY
|
82% |
| Assets |
$347.3M
+1.5% YoY+0.4% QoQ
|
+$115.3M |
$232.0M
+0.7% YoY
|
$390.3M
+9.5% YoY
|
$593.1M
+10.2% YoY
|
81% |
| Loans |
$220.0M
-3.4% YoY+0.1% QoQ
|
+$73.7M |
$146.3M
+0.2% YoY
|
$289.3M
+8.5% YoY
|
$418.6M
+10.1% YoY
|
81% |
| Deposits |
$309.7M
+0.7% YoY+0.1% QoQ
|
+$109.0M |
$200.7M
+0.2% YoY
|
$326.4M
+8.9% YoY
|
$504.8M
+10.3% YoY
|
83% |
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| ROA |
1.0%
+3.1% YoY+25.7% QoQ
|
+0.1% |
0.9%
+12.5% YoY
|
1.1%
+46.9% YoY
|
1.2%
+121.4% YoY
|
62% |
| NIM |
4.1%
+3.7% YoY+0.2% QoQ
|
+0.4% |
3.7%
+4.5% YoY
|
3.9%
+2.1% YoY
|
3.8%
+2.3% YoY
|
74% |
| Efficiency Ratio |
76.3%
+4.4% YoY-0.0% QoQ
|
-0.5% |
76.7%
-0.8% YoY
|
78.9%
+2.6% YoY
|
83.0%
-5.3% YoY
|
46% |
| Delinquency Rate |
1.2%
-31.5% YoY+54.4% QoQ
|
+0.3 |
0.9%
+6.6% YoY
|
1.1%
-1.7% YoY
|
1.3%
+2.6% YoY
|
76% |
| Loan To Share |
71.0%
-4.1% YoY+0.0% QoQ
|
-0.5% |
71.5%
-0.3% YoY
|
68.7%
-1.7% YoY
|
66.4%
-1.4% YoY
|
46% |
| AMR |
$24,534
-1.2% YoY+0.4% QoQ
|
$-572 |
$25,107
+3.2% YoY
|
$19,228
+3.5% YoY
|
$20,028
-0.9% YoY
|
58% |
| CD Concentration |
15.3%
-5.9% YoY+10.4% QoQ
|
-9.2% | 24.6% | 22.4% | 20.0% | 50% |
| Indirect Auto % |
25.5%
-11.9% YoY-5.0% QoQ
|
+11.9% | 13.6% | 6.8% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (3)
Flatlined Growth
riskAsset growth stalled (-2% to +2%) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
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)