CN/IC EMPLOYEES
Charter #68069 | TN
<100M
(2596 CUs)
Micro
($0-$500M)
88 <100M in TN
CN/IC EMPLOYEES has 3 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 1.50% 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 1.19% below tier average
- - Efficiency ratio 12.49% above tier (higher cost structure)
- - Delinquency rate 0.86% above tier average
- - Net Charge-Off Rate: Bottom 3.1% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,204
+1.5% YoY-0.2% QoQ
|
-1.4K |
2,625
-2.2% YoY
|
21,139
+4.9% YoY
|
33,089
+6.1% YoY
|
34th in tier |
| Assets |
$10.2M
+0.7% YoY-0.2% QoQ
|
$-19.7M |
$29.9M
+1.1% YoY
|
$362.5M
+9.5% YoY
|
$547.7M
+7.8% YoY
|
32nd in tier |
| Loans |
$7.2M
+4.4% YoY+3.3% QoQ
|
$-8.5M |
$15.8M
-2.4% YoY
|
$271.1M
+9.1% YoY
|
$388.7M
+8.6% YoY
|
42nd in tier |
| Deposits |
$8.5M
+2.2% YoY+0.1% QoQ
|
$-17.0M |
$25.5M
+0.4% YoY
|
$303.0M
+8.7% YoY
|
$464.6M
+9.3% YoY
|
33rd in tier |
| ROA |
-0.5%
+5.8% YoY-521.6% QoQ
|
-1.2% |
0.7%
-731.4% YoY
|
0.8%
+4.1% YoY
|
0.7%
+273.4% YoY
|
Bottom 8.7% in tier |
| NIM |
5.4%
+2.3% YoY+3.0% QoQ
|
+1.5% |
3.9%
+3.8% YoY
|
3.8%
+5.1% YoY
|
3.7%
+5.0% YoY
|
Top 7.8% in tier |
| Efficiency Ratio |
93.9%
+16.3% YoY+1.1% QoQ
|
+12.5% |
81.4%
-2.4% YoY
|
75.4%
-1.8% YoY
|
79.1%
-3.3% YoY
|
Top 17.7% in tier |
| Delinquency Rate |
2.4%
+3.1% YoY+134.7% QoQ
|
+0.9 |
1.5%
-2.0% YoY
|
1.1%
+8.5% YoY
|
1.2%
-0.9% YoY
|
Top 16.3% in tier |
| Loan To Share |
85.4%
+2.2% YoY+3.2% QoQ
|
+24.2% |
61.2%
-3.0% YoY
|
70.4%
-2.4% YoY
|
68.0%
-1.7% YoY
|
Top 16.0% in tier |
| AMR |
$13,035
+1.6% YoY+1.8% QoQ
|
$-2K |
$14,627
-2.7% YoY
|
$18,470
+2.4% YoY
|
$19,418
+1.3% YoY
|
46th in tier |
| CD Concentration |
28.6%
+10.5% YoY+11.1% QoQ
|
+4.1% |
24.4%
+4.2% YoY
|
22.3%
+6.6% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
6.9%
+1.1% YoY
|
7.9%
-2.9% YoY
|
50th in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
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)
Top Strengths (7 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 14.49%
#1 of 2596
Top 0.0% in <100M tier
203
Net Interest Margin (NIM)
profitability
Value:
5.44%
Peer Avg: 3.93%
#203 of 2596
Top 7.8% in <100M tier
412
Loan-to-Share Ratio
balance_sheet
Value:
85.43%
Peer Avg: 61.23%
#412 of 2596
Top 15.8% in <100M tier
488
Fee Income Per Member
profitability
Value:
$135.11
Peer Avg: $182.96
#488 of 2596
Top 18.8% in <100M tier
512
Member Growth Rate
growth
Value:
1.52%
Peer Avg: 14.92%
#512 of 2596
Top 19.7% in <100M tier
577
Loan Growth Rate
growth
Value:
4.42%
Peer Avg: 59.01%
#577 of 2596
Top 22.2% in <100M tier
Top Weaknesses (6 metrics)
2516
Net Charge-Off Rate
risk
Value:
3.03%
Peer Avg: 0.57%
#2516 of 2596
Bottom 3.1% in <100M tier
2369
Return on Assets (ROA)
profitability
Value:
-0.51%
Peer Avg: 0.68%
#2369 of 2596
Bottom 8.8% in <100M tier
2173
Total Delinquency Rate (60+ days)
risk
Value:
2.37%
Peer Avg: 1.51%
#2173 of 2596
Bottom 16.3% in <100M tier
2137
Efficiency Ratio
profitability
Value:
93.88%
Peer Avg: 81.39%
#2137 of 2596
Bottom 17.7% in <100M tier
2109
Share Certificate Concentration (%)
balance_sheet
Value:
28.55%
Peer Avg: 15.37%
#2109 of 2596
Bottom 18.8% in <100M tier
1977
Members Per Employee (MPE)
engagement
Value:
240.800
Peer Avg: 365.701
#1977 of 2596
Bottom 23.9% in <100M tier