BlastPoint's Credit Union Scorecard
CN/IC EMPLOYEES
Charter #68069 · TN
CN/IC EMPLOYEES has 3 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 1.40% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - ROA 1.21% below tier average
- - Efficiency ratio 11.52% above tier (higher cost structure)
- - Delinquency rate 0.09% above tier average
- - Net Charge-Off Rate: Bottom 3.6% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,201
+1.2% YoY-0.2% QoQ
|
-1.4K |
2,615
-1.9% YoY
|
21,265
+4.5% YoY
|
33,374
+5.7% YoY
|
33% |
| Assets |
$10.3M
+3.9% YoY+0.9% QoQ
|
$-19.9M |
$30.1M
+2.1% YoY
|
$372.5M
+10.3% YoY
|
$561.6M
+9.7% YoY
|
32% |
| Loans |
$7.0M
+1.4% YoY-3.0% QoQ
|
$-8.8M |
$15.8M
-1.3% YoY
|
$275.7M
+8.6% YoY
|
$397.0M
+8.8% YoY
|
42% |
| Deposits |
$8.6M
+5.8% YoY+1.3% QoQ
|
$-17.1M |
$25.7M
+1.4% YoY
|
$312.1M
+9.5% YoY
|
$477.3M
+9.7% YoY
|
33% |
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| ROA |
-0.6%
+134.9% YoY+15.3% QoQ
|
-1.2% |
0.6%
+10.8% YoY
|
0.7%
-5.8% YoY
|
0.7%
+15.9% YoY
|
Bottom 8.1% in tier |
| NIM |
5.4%
-2.0% YoY-1.5% QoQ
|
+1.4% |
4.0%
+4.0% YoY
|
3.8%
+3.7% YoY
|
3.8%
+5.1% YoY
|
Top 8.6% in tier |
| Efficiency Ratio |
94.1%
+12.3% YoY+0.2% QoQ
|
+11.5% |
82.6%
-2.3% YoY
|
79.4%
+2.9% YoY
|
79.7%
-3.3% YoY
|
82% |
| Delinquency Rate |
1.6%
-37.1% YoY-30.6% QoQ
|
+0.1 |
1.6%
-3.1% YoY
|
1.1%
-12.6% YoY
|
1.3%
-2.1% YoY
|
74% |
| Loan To Share |
81.8%
-4.2% YoY-4.2% QoQ
|
+21.2% |
60.6%
-3.1% YoY
|
70.0%
-2.2% YoY
|
67.4%
-1.7% YoY
|
81% |
| AMR |
$12,973
+2.6% YoY-0.5% QoQ
|
$-2K |
$14,783
-1.4% YoY
|
$18,770
+3.9% YoY
|
$19,687
+2.0% YoY
|
46% |
| CD Concentration |
30.1%
+14.0% YoY+5.3% QoQ
|
+5.6% | 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)