BlastPoint's Credit Union Scorecard
ST. THOMAS
Charter #68071 · TN
ST. THOMAS has 3 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.69% above tier average
- + Loan-to-Member Ratio (LMR): Top 5.3% in tier
- + Average Member Relationship (AMR): Top 7.9% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 1.59% above tier average
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,445
-1.3% YoY+0.3% QoQ
|
-170 |
2,615
-1.9% YoY
|
21,265
+4.5% YoY
|
33,374
+5.7% YoY
|
59% |
| Assets |
$38.0M
-3.3% YoY-2.3% QoQ
|
+$7.8M |
$30.1M
+2.1% YoY
|
$372.5M
+10.3% YoY
|
$561.6M
+9.7% YoY
|
67% |
| Loans |
$28.2M
+0.5% YoY-0.6% QoQ
|
+$12.5M |
$15.8M
-1.3% YoY
|
$275.7M
+8.6% YoY
|
$397.0M
+8.8% YoY
|
80% |
| Deposits |
$33.2M
-4.0% YoY-2.4% QoQ
|
+$7.5M |
$25.7M
+1.4% YoY
|
$312.1M
+9.5% YoY
|
$477.3M
+9.7% YoY
|
68% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
0.6%
-39.8% YoY-7.7% QoQ
|
+0.0% |
0.6%
+10.8% YoY
|
0.7%
-5.8% YoY
|
0.7%
+15.9% YoY
|
47% |
| NIM |
4.6%
+6.4% YoY+2.4% QoQ
|
+0.7% |
4.0%
+4.0% YoY
|
3.8%
+3.7% YoY
|
3.8%
+5.1% YoY
|
78% |
| Efficiency Ratio |
77.9%
+6.7% YoY+1.8% QoQ
|
-4.6% |
82.6%
-2.3% YoY
|
79.4%
+2.9% YoY
|
79.7%
-3.3% YoY
|
46% |
| Delinquency Rate |
3.1%
+114.4% YoY-26.8% QoQ
|
+1.6 |
1.6%
-3.1% YoY
|
1.1%
-12.6% YoY
|
1.3%
-2.1% YoY
|
Bottom 12.2% in tier |
| Loan To Share |
85.1%
+4.7% YoY+1.9% QoQ
|
+24.5% |
60.6%
-3.1% YoY
|
70.0%
-2.2% YoY
|
67.4%
-1.7% YoY
|
85% |
| AMR |
$25,108
-0.8% YoY-1.9% QoQ
|
+$10K |
$14,783
-1.4% YoY
|
$18,770
+3.9% YoY
|
$19,687
+2.0% YoY
|
Top 7.9% in tier |
| CD Concentration |
25.0%
-11.9% YoY-5.3% QoQ
|
+0.6% | 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)