BlastPoint's Credit Union Scorecard
VANDERBILT
Charter #68119 · TN
VANDERBILT has 6 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Strong member growth: 22.0% YoY
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Member Growth Rate: Top 1.5% in tier
- + Members Per Employee (MPE): Top 5.0% in tier
- + Total Members: Top 5.9% in tier
- + Asset Growth Rate: Top 6.8% in tier
Key Concerns
Areas that may need attention
- - ROA 0.13% below tier average
- - Efficiency ratio 2.69% above tier (higher cost structure)
- - Delinquency rate 1.19% above tier average
- - AMR Growth Rate: Bottom 3.0% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
6,859
+22.0% YoY-0.8% QoQ
|
+4.2K |
2,615
-1.9% YoY
|
21,265
+4.5% YoY
|
33,374
+5.7% YoY
|
Top 5.9% in tier |
| Assets |
$52.4M
+11.4% YoY-0.9% QoQ
|
+$22.3M |
$30.1M
+2.1% YoY
|
$372.5M
+10.3% YoY
|
$561.6M
+9.7% YoY
|
78% |
| Loans |
$32.4M
-4.3% YoY-1.0% QoQ
|
+$16.6M |
$15.8M
-1.3% YoY
|
$275.7M
+8.6% YoY
|
$397.0M
+8.8% YoY
|
84% |
| Deposits |
$47.1M
+7.8% YoY-0.6% QoQ
|
+$21.4M |
$25.7M
+1.4% YoY
|
$312.1M
+9.5% YoY
|
$477.3M
+9.7% YoY
|
80% |
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| ROA |
0.5%
+25.3% YoY+522.9% QoQ
|
-0.1% |
0.6%
+10.8% YoY
|
0.7%
-5.8% YoY
|
0.7%
+15.9% YoY
|
39% |
| NIM |
3.9%
+2.6% YoY+11.4% QoQ
|
-0.0% |
4.0%
+4.0% YoY
|
3.8%
+3.7% YoY
|
3.8%
+5.1% YoY
|
51% |
| Efficiency Ratio |
85.2%
-2.3% YoY+0.7% QoQ
|
+2.7% |
82.6%
-2.3% YoY
|
79.4%
+2.9% YoY
|
79.7%
-3.3% YoY
|
64% |
| Delinquency Rate |
2.7%
+87.2% YoY+133.7% QoQ
|
+1.2 |
1.6%
-3.1% YoY
|
1.1%
-12.6% YoY
|
1.3%
-2.1% YoY
|
Top 14.5% in tier |
| Loan To Share |
68.7%
-11.2% YoY-0.4% QoQ
|
+8.1% |
60.6%
-3.1% YoY
|
70.0%
-2.2% YoY
|
67.4%
-1.7% YoY
|
62% |
| AMR |
$11,580
-16.0% YoY+0.0% QoQ
|
$-3K |
$14,783
-1.4% YoY
|
$18,770
+3.9% YoY
|
$19,687
+2.0% YoY
|
37% |
| CD Concentration |
23.8%
+41.8% YoY+5.5% 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)