BlastPoint's Credit Union Scorecard
GREENEVILLE WORKS EMPLS. SAV. ASSN.
Charter #68126 · TN
<100M
2508 CUs in <100M nationally
86 in TN
GREENEVILLE WORKS EMPLS. SAV. ASSN. has 7 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.07% above tier average
- + Net Interest Margin 2.06% above tier average
- + Total Delinquency Rate (60+ days): Top 0.1% in tier
- + Loan-to-Share Ratio: Top 0.2% in tier
- + Net Worth Ratio: Top 0.8% in tier
- + Net Charge-Off Rate: Top 8.7% in tier
- + Loan Growth Rate: Top 9.1% in tier
Key Concerns
Areas that may need attention
- - Total Deposits: Bottom 6.0% in tier
- - Total Assets: Bottom 8.5% in tier
- - Average Member Relationship (AMR): Bottom 9.4% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
380
-0.5% YoY-1.3% QoQ
|
-2.3K |
2,676
+1.6% YoY
|
21,412
+3.7% YoY
|
33,913
+5.7% YoY
|
Bottom 10.3% in tier |
| Assets |
$1.8M
-1.5% YoY+1.9% QoQ
|
$-28.4M |
$30.2M
+1.3% YoY
|
$379.6M
+8.7% YoY
|
$578.3M
+9.0% YoY
|
Bottom 8.5% in tier |
| Loans |
$1.1M
+10.8% YoY+2.1% QoQ
|
$-14.2M |
$15.3M
-2.0% YoY
|
$279.0M
+7.7% YoY
|
$402.4M
+8.7% YoY
|
Bottom 12.0% in tier |
| Deposits |
$848,324
-5.0% YoY+4.1% QoQ
|
$-24.9M |
$25.8M
+0.7% YoY
|
$319.1M
+8.0% YoY
|
$494.3M
+9.1% YoY
|
Bottom 5.9% in tier |
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| ROA |
1.2%
-3.3% YoY+21.9% QoQ
|
+1.1% |
0.1%
-77.6% YoY
|
0.6%
-5.0% YoY
|
0.4%
-39.2% YoY
|
77% |
| NIM |
6.1%
+0.5% YoY+2.7% QoQ
|
+2.1% |
4.0%
+4.0% YoY
|
3.9%
+5.1% YoY
|
3.8%
+4.1% YoY
|
Top 3.6% in tier |
| Efficiency Ratio |
79.5%
+9.8% YoY+3.9% QoQ
|
-11.1% |
90.6%
+6.5% YoY
|
79.6%
+1.7% YoY
|
84.6%
+2.8% YoY
|
45% |
| Delinquency Rate |
0.0%
-100.0% YoY
|
-1.5 |
1.5%
+3.8% YoY
|
0.9%
-14.5% YoY
|
1.2%
+3.4% YoY
|
Top 0.1% in tier |
| Loan To Share |
128.4%
+16.7% YoY-2.0% QoQ
|
+69.9% |
58.5%
-3.0% YoY
|
68.3%
-1.5% YoY
|
65.6%
-1.4% YoY
|
Top 0.3% in tier |
| AMR |
$5,098
+3.8% YoY+4.3% QoQ
|
$-10K |
$14,884
-1.7% YoY
|
$18,957
+3.0% YoY
|
$19,920
+1.6% YoY
|
Bottom 9.4% in tier |
| CD Concentration |
34.2%
+17.2% YoY-3.3% QoQ
|
+9.9% | 24.3% | 22.3% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 6.8% | 7.7% | 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 (9 metrics)
1
Total Delinquency Rate (60+ days)
risk
Value:
0.00%
Peer Median: 0.65%
#1 of 2508
Top 0.1% in <100M tier
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 0.00%
#1 of 2508
Top 0.1% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 3.66%
#1 of 2508
Top 0.1% in <100M tier
6
Loan-to-Share Ratio
balance_sheet
Value:
128.36%
Peer Median: 58.72%
#6 of 2508
Top 0.2% in <100M tier
20
Net Worth Ratio
risk
Value:
52.08%
Peer Median: 14.28%
#20 of 2508
Top 0.8% in <100M tier
91
Net Interest Margin (NIM)
profitability
Value:
6.06%
Peer Median: 3.83%
#91 of 2508
Top 3.6% in <100M tier
218
Net Charge-Off Rate
risk
Value:
-0.12%
Peer Median: 0.07%
#218 of 2508
Top 8.7% in <100M tier
230
Loan Growth Rate
growth
Value:
10.83%
Peer Median: -2.36%
#230 of 2508
Top 9.1% in <100M tier
574
Return on Assets (ROA)
profitability
Value:
1.22%
Peer Median: 0.61%
#574 of 2508
Top 22.8% in <100M tier
Top Weaknesses (9 metrics)
2359
Total Deposits
balance_sheet
Value:
$848,324
Peer Median: $18.77M
#2359 of 2508
Bottom 6.0% in <100M tier
2295
Total Assets
balance_sheet
Value:
$1.79M
Peer Median: $21.86M
#2295 of 2508
Bottom 8.5% in <100M tier
2273
Average Member Relationship (AMR)
engagement
Value:
$5,098
Peer Median: $13,926
#2273 of 2508
Bottom 9.4% in <100M tier
2249
Total Members
engagement
Value:
380
Peer Median: 1,918
#2249 of 2508
Bottom 10.4% in <100M tier
2206
Total Loans
balance_sheet
Value:
$1.09M
Peer Median: $9.48M
#2206 of 2508
Bottom 12.1% in <100M tier
2202
Share Certificate Concentration (%)
balance_sheet
Value:
34.22%
Peer Median: 12.45%
#2202 of 2508
Bottom 12.2% in <100M tier
2058
Deposit Growth Rate
growth
Value:
-5.02%
Peer Median: 0.66%
#2058 of 2508
Bottom 18.0% in <100M tier
2014
Fee Income Per Member
profitability
Value:
$10.21
Peer Median: $60.42
#2014 of 2508
Bottom 19.7% in <100M tier
1929
Loan-to-Member Ratio (LMR)
engagement
Value:
$2,866
Peer Median: $4,923
#1929 of 2508
Bottom 23.1% in <100M tier