BlastPoint's Credit Union Scorecard
GREENEVILLE CITY EMPLOYEES'
Charter #68127 · TN
GREENEVILLE CITY EMPLOYEES' has 6 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.16% above tier average
- + Net Interest Margin 0.69% above tier average
- + Efficiency Ratio: Top 1.8% in tier
- + Loan-to-Share Ratio: Top 2.1% in tier
- + Net Worth Ratio: Top 6.2% in tier
- + Loan Growth Rate: Top 6.8% in tier
Key Concerns
Areas that may need attention
- - Share Certificate Concentration (%): Bottom 1.6% in tier
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 +4.0% year over year ($9.7M in shares and deposits).
- Membership: 1,604 members, +3.0% vs a year ago.
- Delinquency rate 0.32%.
- Return on assets 2.65%.
- Efficiency ratio 42.17% vs a 88.77% peer average.
- Loan-to-share ratio 104.38% 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 |
1,604
+3.0% YoY+0.9% QoQ
|
-981 |
2,585
-1.7% YoY
|
22,058
+4.8% YoY
|
34,678
+6.6% YoY
|
43% |
| Assets |
$13.9M
+5.5% YoY+0.9% QoQ
|
$-16.4M |
$30.3M
+1.5% YoY
|
$390.3M
+9.5% YoY
|
$593.1M
+10.2% YoY
|
39% |
| Loans |
$10.1M
+12.9% YoY-0.7% QoQ
|
$-5.3M |
$15.5M
-1.7% YoY
|
$289.3M
+8.5% YoY
|
$418.6M
+10.1% YoY
|
52% |
| Deposits |
$9.7M
+4.0% YoY+0.4% QoQ
|
$-16.1M |
$25.8M
+1.1% YoY
|
$326.4M
+8.9% YoY
|
$504.8M
+10.3% YoY
|
35% |
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| ROA |
2.7%
+38.7% YoY+13.4% QoQ
|
+1.2% |
1.5%
+241.5% YoY
|
1.1%
+46.9% YoY
|
1.2%
+121.4% YoY
|
Top 5.0% in tier |
| NIM |
4.6%
+15.8% YoY+3.1% QoQ
|
+0.7% |
3.9%
+0.9% YoY
|
3.9%
+2.1% YoY
|
3.8%
+2.3% YoY
|
79% |
| Efficiency Ratio |
42.2%
-14.7% YoY-5.5% QoQ
|
-46.6% |
88.8%
-6.9% YoY
|
78.9%
+2.6% YoY
|
83.0%
-5.3% YoY
|
Top 1.8% in tier |
| Delinquency Rate |
0.3%
-31.0% YoY+62.0% QoQ
|
-1.2 |
1.5%
+2.1% YoY
|
1.1%
-1.7% YoY
|
1.3%
+2.6% YoY
|
32% |
| Loan To Share |
104.4%
+8.6% YoY-1.1% QoQ
|
+45.5% |
58.9%
-3.1% YoY
|
68.7%
-1.7% YoY
|
66.4%
-1.4% YoY
|
Top 2.3% in tier |
| AMR |
$12,341
+5.2% YoY-1.1% QoQ
|
$-3K |
$14,963
-6.8% YoY
|
$19,228
+3.5% YoY
|
$20,028
-0.9% YoY
|
41% |
| CD Concentration |
58.8%
+3.6% YoY+1.2% QoQ
|
+34.3% | 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)