BlastPoint's Credit Union Scorecard
ST. THOMAS
Charter #68071 · TN
ST. THOMAS has 3 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.86% above tier average
- + Loan-to-Member Ratio (LMR): Top 4.9% in tier
- + Average Member Relationship (AMR): Top 7.7% in tier
Key Concerns
Areas that may need attention
- - ROA 0.91% below tier average
- - Delinquency rate 0.32% above tier average
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 84 that size in Tennessee.
- Shares and deposits -2.9% year over year ($33.4M in shares and deposits).
- Membership: 2,429 members, -0.8% vs a year ago.
- Delinquency rate 1.86%.
- Return on assets 0.58%.
- Efficiency ratio 76.26% vs a 88.77% peer average.
- Loan-to-share ratio 87.96% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,429
-0.8% YoY+0.5% QoQ
|
-156 |
2,585
-1.7% YoY
|
22,058
+4.8% YoY
|
34,678
+6.6% YoY
|
60% |
| Assets |
$38.3M
-2.2% YoY-0.2% QoQ
|
+$8.0M |
$30.3M
+1.5% YoY
|
$390.3M
+9.5% YoY
|
$593.1M
+10.2% YoY
|
67% |
| Loans |
$29.4M
+4.6% YoY+2.8% QoQ
|
+$14.0M |
$15.5M
-1.7% YoY
|
$289.3M
+8.5% YoY
|
$418.6M
+10.1% YoY
|
82% |
| Deposits |
$33.4M
-2.9% YoY-0.1% QoQ
|
+$7.6M |
$25.8M
+1.1% YoY
|
$326.4M
+8.9% YoY
|
$504.8M
+10.3% YoY
|
68% |
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| ROA |
0.6%
-2.8% YoY-33.0% QoQ
|
-0.9% |
1.5%
+241.5% YoY
|
1.1%
+46.9% YoY
|
1.2%
+121.4% YoY
|
36% |
| NIM |
4.8%
+7.6% YoY+0.6% QoQ
|
+0.9% |
3.9%
+0.9% YoY
|
3.9%
+2.1% YoY
|
3.8%
+2.3% YoY
|
84% |
| Efficiency Ratio |
76.3%
-1.6% YoY-2.0% QoQ
|
-12.5% |
88.8%
-6.9% YoY
|
78.9%
+2.6% YoY
|
83.0%
-5.3% YoY
|
39% |
| Delinquency Rate |
1.9%
-48.8% YoY-28.0% QoQ
|
+0.3 |
1.5%
+2.1% YoY
|
1.1%
-1.7% YoY
|
1.3%
+2.6% YoY
|
77% |
| Loan To Share |
88.0%
+7.8% YoY+2.8% QoQ
|
+29.1% |
58.9%
-3.1% YoY
|
68.7%
-1.7% YoY
|
66.4%
-1.4% YoY
|
Top 11.1% in tier |
| AMR |
$25,874
+1.3% YoY+0.8% QoQ
|
+$11K |
$14,963
-6.8% YoY
|
$19,228
+3.5% YoY
|
$20,028
-0.9% YoY
|
Top 7.7% in tier |
| CD Concentration |
23.1%
-17.5% YoY-4.4% QoQ
|
-1.5% | 24.6% | 22.4% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 6.8% | 7.7% | 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)