BlastPoint's Credit Union Scorecard
ST. THOMAS
Charter #68071 ยท TN
2596 CUs in <100M nationally
88 in TN
ST. THOMAS has 4 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.60% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Loan-to-Member Ratio (LMR): Top 5.0% in tier
- + Average Member Relationship (AMR): Top 7.3% in tier
Key Concerns
Areas that may need attention
- - ROA 0.01% below tier average
- - Delinquency rate 2.79% above tier average
- - Total Delinquency Rate (60+ days): 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 |
2,438
-1.8% YoY-0.4% QoQ
|
-187 |
2,625
-2.2% YoY
|
21,139
+4.9% YoY
|
33,089
+6.1% YoY
|
59% |
| Assets |
$38.8M
-1.8% YoY-0.8% QoQ
|
+$9.0M |
$29.9M
+1.1% YoY
|
$362.5M
+9.5% YoY
|
$547.7M
+7.8% YoY
|
69% |
| Loans |
$28.4M
-2.0% YoY+1.0% QoQ
|
+$12.6M |
$15.8M
-2.4% YoY
|
$271.1M
+9.1% YoY
|
$388.7M
+8.6% YoY
|
80% |
| Deposits |
$34.0M
-2.7% YoY-1.3% QoQ
|
+$8.5M |
$25.5M
+0.4% YoY
|
$303.0M
+8.7% YoY
|
$464.6M
+9.3% YoY
|
69% |
| ROA |
0.7%
-43.9% YoY+12.8% QoQ
|
-0.0% |
0.7%
-731.4% YoY
|
0.8%
+4.1% YoY
|
0.7%
+273.4% YoY
|
45% |
| NIM |
4.5%
+5.2% YoY+2.3% QoQ
|
+0.6% |
3.9%
+3.8% YoY
|
3.8%
+5.1% YoY
|
3.7%
+5.0% YoY
|
74% |
| Efficiency Ratio |
76.5%
+7.9% YoY-1.2% QoQ
|
-4.9% |
81.4%
-2.4% YoY
|
75.4%
-1.8% YoY
|
79.1%
-3.3% YoY
|
45% |
| Delinquency Rate |
4.3%
+192.6% YoY+17.9% QoQ
|
+2.8 |
1.5%
-2.0% YoY
|
1.1%
+8.5% YoY
|
1.2%
-0.9% YoY
|
Top 7.6% in tier |
| Loan To Share |
83.5%
+0.8% YoY+2.3% QoQ
|
+22.3% |
61.2%
-3.0% YoY
|
70.4%
-2.4% YoY
|
68.0%
-1.7% YoY
|
82% |
| AMR |
$25,586
-0.6% YoY+0.2% QoQ
|
+$11K |
$14,627
-2.7% YoY
|
$18,470
+2.4% YoY
|
$19,418
+1.3% YoY
|
Top 7.4% in tier |
| CD Concentration |
26.4%
-12.1% YoY-5.6% QoQ
|
+2.0% |
24.4%
+4.2% YoY
|
22.3%
+6.6% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
6.9%
+1.1% YoY
|
7.9%
-2.9% YoY
|
50% |
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 (6 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
131
Loan-to-Member Ratio (LMR)
engagement
Value:
$11,646
Peer Avg: $5,488
#131 of 2596
Top 5.0% in <100M tier
191
Average Member Relationship (AMR)
engagement
Value:
$25,586
Peer Avg: $14,627
#191 of 2596
Top 7.3% in <100M tier
344
Fee Income Per Member
profitability
Value:
$155.44
Peer Avg: $182.96
#344 of 2596
Top 13.2% in <100M tier
476
Loan-to-Share Ratio
balance_sheet
Value:
83.54%
Peer Avg: 61.23%
#476 of 2596
Top 18.3% in <100M tier
508
Total Loans
balance_sheet
Value:
$28.39M
Peer Avg: $15.77M
#508 of 2596
Top 19.5% in <100M tier
Top Weaknesses (4 metrics)
2400
Total Delinquency Rate (60+ days)
risk
Value:
4.30%
Peer Avg: 1.51%
#2400 of 2596
Bottom 7.6% in <100M tier
2202
First Mortgage Concentration (%)
balance_sheet
Value:
35.98%
Peer Avg: 14.49%
#2202 of 2596
Bottom 15.2% in <100M tier
2023
Share Certificate Concentration (%)
balance_sheet
Value:
26.39%
Peer Avg: 15.37%
#2023 of 2596
Bottom 22.1% in <100M tier
1955
Members Per Employee (MPE)
engagement
Value:
243.800
Peer Avg: 365.701
#1955 of 2596
Bottom 24.7% in <100M tier