BlastPoint's Credit Union Scorecard
GREENEVILLE CITY EMPLOYEES'
Charter #68127 · TN
GREENEVILLE CITY EMPLOYEES' has 8 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.52% above tier average
- + Net Interest Margin 0.14% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Efficiency Ratio: Top 3.2% in tier
- + Loan-to-Share Ratio: Top 3.2% in tier
- + Net Worth Ratio: Top 6.6% in tier
- + Loan Growth Rate: Top 7.7% in tier
Key Concerns
Areas that may need attention
- - Share Certificate Concentration (%): Bottom 1.8% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,582
+2.5% YoY+1.2% QoQ
|
-1.0K |
2,615
-1.9% YoY
|
21,265
+4.5% YoY
|
33,374
+5.7% YoY
|
42% |
| Assets |
$13.5M
+7.0% YoY+0.6% QoQ
|
$-16.6M |
$30.1M
+2.1% YoY
|
$372.5M
+10.3% YoY
|
$561.6M
+9.7% YoY
|
39% |
| Loans |
$9.7M
+12.6% YoY+2.4% QoQ
|
$-6.0M |
$15.8M
-1.3% YoY
|
$275.7M
+8.6% YoY
|
$397.0M
+8.8% YoY
|
50% |
| Deposits |
$9.4M
+6.5% YoY-0.1% QoQ
|
$-16.2M |
$25.7M
+1.4% YoY
|
$312.1M
+9.5% YoY
|
$477.3M
+9.7% YoY
|
35% |
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| ROA |
2.1%
+4.3% YoY+4.4% QoQ
|
+1.5% |
0.6%
+10.8% YoY
|
0.7%
-5.8% YoY
|
0.7%
+15.9% YoY
|
Top 5.6% in tier |
| NIM |
4.1%
+6.6% YoY+2.0% QoQ
|
+0.1% |
4.0%
+4.0% YoY
|
3.8%
+3.7% YoY
|
3.8%
+5.1% YoY
|
58% |
| Efficiency Ratio |
46.8%
-1.9% YoY-1.5% QoQ
|
-35.8% |
82.6%
-2.3% YoY
|
79.4%
+2.9% YoY
|
79.7%
-3.3% YoY
|
Bottom 3.2% in tier |
| Delinquency Rate |
0.2%
-32.7% YoY-10.6% QoQ
|
-1.4 |
1.6%
-3.1% YoY
|
1.1%
-12.6% YoY
|
1.3%
-2.1% YoY
|
26% |
| Loan To Share |
102.9%
+5.7% YoY+2.5% QoQ
|
+42.3% |
60.6%
-3.1% YoY
|
70.0%
-2.2% YoY
|
67.4%
-1.7% YoY
|
Top 3.4% in tier |
| AMR |
$12,113
+6.8% YoY-0.0% QoQ
|
$-3K |
$14,783
-1.4% YoY
|
$18,770
+3.9% YoY
|
$19,687
+2.0% YoY
|
40% |
| CD Concentration |
57.0%
+3.5% YoY-0.7% QoQ
|
+32.6% | 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)