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 1.50% 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
|
34% |
| 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
|
32% |
| 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
|
42% |
| 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
|
33% |
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| 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
|
82% |
| 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
|
84% |
| 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
|
84% |
| 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
|
46% |
| 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
|
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)