BlastPoint's Credit Union Scorecard
WCG EMPLOYEES
Charter #68153 · TN
WCG EMPLOYEES has 2 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.88% above tier average
- + Total Delinquency Rate (60+ days): Top 0.1% in tier
Key Concerns
Areas that may need attention
- - Total Deposits: Bottom 5.6% in tier
- - Total Assets: Bottom 5.6% in tier
- - Total Members: Bottom 5.8% in tier
- - Members Per Employee (MPE): Bottom 7.4% in tier
- - Total Loans: Bottom 8.4% in tier
- - Fee Income Per Member: Bottom 9.1% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
238
-0.8% YoY-1.2% QoQ
|
-2.4K |
2,676
+1.6% YoY
|
21,412
+3.7% YoY
|
33,913
+5.7% YoY
|
Bottom 5.7% in tier |
| Assets |
$1.0M
+0.8% YoY+1.2% QoQ
|
$-29.2M |
$30.2M
+1.3% YoY
|
$379.6M
+8.7% YoY
|
$578.3M
+9.0% YoY
|
Bottom 5.6% in tier |
| Loans |
$548,399
-5.9% YoY-10.2% QoQ
|
$-14.7M |
$15.3M
-2.0% YoY
|
$279.0M
+7.7% YoY
|
$402.4M
+8.7% YoY
|
Bottom 8.3% in tier |
| Deposits |
$801,709
-0.7% YoY+1.3% QoQ
|
$-25.0M |
$25.8M
+0.7% YoY
|
$319.1M
+8.0% YoY
|
$494.3M
+9.1% YoY
|
Bottom 5.5% in tier |
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| ROA |
1.0%
+41.7% YoY+22.5% QoQ
|
+0.9% |
0.1%
-77.6% YoY
|
0.6%
-5.0% YoY
|
0.4%
-39.2% YoY
|
70% |
| NIM |
3.3%
-12.7% YoY+2.0% QoQ
|
-0.7% |
4.0%
+4.0% YoY
|
3.9%
+5.1% YoY
|
3.8%
+4.1% YoY
|
28% |
| Efficiency Ratio |
67.5%
-15.7% YoY-8.4% QoQ
|
-23.2% |
90.6%
+6.5% YoY
|
79.6%
+1.7% YoY
|
84.6%
+2.8% YoY
|
22% |
| Delinquency Rate | 0.0% | -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 |
68.4%
-5.3% YoY-11.3% QoQ
|
+9.9% |
58.5%
-3.0% YoY
|
68.3%
-1.5% YoY
|
65.6%
-1.4% YoY
|
65% |
| AMR |
$5,673
-2.1% YoY-2.5% QoQ
|
$-9K |
$14,884
-1.7% YoY
|
$18,957
+3.0% YoY
|
$19,920
+1.6% YoY
|
Bottom 10.9% in tier |
| CD Concentration | 0.0% | -24.3% | 24.3% | 22.3% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 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)