BlastPoint's Credit Union Scorecard
VANDERBILT
Charter #68119 · TN
VANDERBILT has 5 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Strong member growth: 22.8% YoY
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Member Growth Rate: Top 1.5% in tier
- + Total Members: Top 6.0% in tier
- + Members Per Employee (MPE): Top 6.3% in tier
Key Concerns
Areas that may need attention
- - ROA 0.60% below tier average
- - Efficiency ratio 3.24% above tier (higher cost structure)
- - AMR Growth Rate: Bottom 2.7% in tier
- - First Mortgage Concentration (%): Bottom 9.4% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
6,912
+22.8% YoY+0.8% QoQ
|
+4.3K |
2,625
-2.2% YoY
|
21,139
+4.9% YoY
|
33,089
+6.1% YoY
|
Top 6.0% in tier |
| Assets |
$52.9M
+9.0% YoY+5.2% QoQ
|
+$23.1M |
$29.9M
+1.1% YoY
|
$362.5M
+9.5% YoY
|
$547.7M
+7.8% YoY
|
79% |
| Loans |
$32.7M
-5.9% YoY-3.3% QoQ
|
+$16.9M |
$15.8M
-2.4% YoY
|
$271.1M
+9.1% YoY
|
$388.7M
+8.6% YoY
|
84% |
| Deposits |
$47.3M
+5.6% YoY+5.0% QoQ
|
+$21.9M |
$25.5M
+0.4% YoY
|
$303.0M
+8.7% YoY
|
$464.6M
+9.3% YoY
|
80% |
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| ROA |
0.1%
-81.2% YoY-79.8% QoQ
|
-0.6% |
0.7%
-731.4% YoY
|
0.8%
+4.1% YoY
|
0.7%
+273.4% YoY
|
19% |
| NIM |
3.5%
-9.3% YoY-1.7% QoQ
|
-0.4% |
3.9%
+3.8% YoY
|
3.8%
+5.1% YoY
|
3.7%
+5.0% YoY
|
36% |
| Efficiency Ratio |
84.6%
-3.0% YoY+2.2% QoQ
|
+3.2% |
81.4%
-2.4% YoY
|
75.4%
-1.8% YoY
|
79.1%
-3.3% YoY
|
66% |
| Delinquency Rate |
1.2%
+293.5% YoY+99.6% QoQ
|
-0.3 |
1.5%
-2.0% YoY
|
1.1%
+8.5% YoY
|
1.2%
-0.9% YoY
|
66% |
| Loan To Share |
69.1%
-10.9% YoY-7.9% QoQ
|
+7.8% |
61.2%
-3.0% YoY
|
70.4%
-2.4% YoY
|
68.0%
-1.7% YoY
|
61% |
| AMR |
$11,580
-18.1% YoY+0.6% QoQ
|
$-3K |
$14,627
-2.7% YoY
|
$18,470
+2.4% YoY
|
$19,418
+1.3% YoY
|
37% |
| CD Concentration |
22.6%
+40.0% YoY+7.4% QoQ
|
-1.8% |
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)