BlastPoint's Credit Union Scorecard
A.U.B. EMPLOYEES'
Charter #68161 · TN
A.U.B. EMPLOYEES' has 2 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Loan-to-Share Ratio: Top 0.6% in tier
- + Net Worth Ratio: Top 8.2% in tier
Key Concerns
Areas that may need attention
- - ROA 4.50% below tier average
- - Delinquency rate 0.22% above tier average
- - Net Charge-Off Rate: Bottom 2.2% in tier
- - Asset Growth Rate: Bottom 3.3% in tier
- - Total Members: Bottom 5.0% in tier
- - Members Per Employee (MPE): Bottom 6.6% in tier
- - Total Deposits: Bottom 6.9% in tier
- - Total Assets: Bottom 7.3% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
211
+0.5% YoY-0.9% QoQ
|
-2.5K |
2,676
+1.6% YoY
|
21,412
+3.7% YoY
|
33,913
+5.7% YoY
|
Bottom 5.0% in tier |
| Assets |
$1.4M
-11.6% YoY-4.4% QoQ
|
$-28.8M |
$30.2M
+1.3% YoY
|
$379.6M
+8.7% YoY
|
$578.3M
+9.0% YoY
|
Bottom 7.3% in tier |
| Loans |
$1.2M
-10.3% YoY-3.9% QoQ
|
$-14.1M |
$15.3M
-2.0% YoY
|
$279.0M
+7.7% YoY
|
$402.4M
+8.7% YoY
|
Bottom 12.8% in tier |
| Deposits |
$1.0M
-6.1% YoY-5.4% QoQ
|
$-24.8M |
$25.8M
+0.7% YoY
|
$319.1M
+8.0% YoY
|
$494.3M
+9.1% YoY
|
Bottom 6.9% in tier |
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| ROA |
-4.4%
-766.4% YoY-2571.8% QoQ
|
-4.5% |
0.1%
-77.6% YoY
|
0.6%
-5.0% YoY
|
0.4%
-39.2% YoY
|
Bottom 2.1% in tier |
| NIM |
3.9%
+11.7% YoY+13.9% QoQ
|
-0.1% |
4.0%
+4.0% YoY
|
3.9%
+5.1% YoY
|
3.8%
+4.1% YoY
|
54% |
| Efficiency Ratio |
89.3%
+9.6% YoY-6.0% QoQ
|
-1.4% |
90.6%
+6.5% YoY
|
79.6%
+1.7% YoY
|
84.6%
+2.8% YoY
|
67% |
| Delinquency Rate |
1.7%
+16.7% YoY-35.6% QoQ
|
+0.2 |
1.5%
+3.8% YoY
|
0.9%
-14.5% YoY
|
1.2%
+3.4% YoY
|
78% |
| Loan To Share |
117.1%
-4.5% YoY+1.5% QoQ
|
+58.6% |
58.5%
-3.0% YoY
|
68.3%
-1.5% YoY
|
65.6%
-1.4% YoY
|
Top 0.7% in tier |
| AMR |
$10,388
-8.9% YoY-3.7% QoQ
|
$-4K |
$14,884
-1.7% YoY
|
$18,957
+3.0% YoY
|
$19,920
+1.6% YoY
|
31% |
| 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)