BlastPoint's Credit Union Scorecard
A.U.B. EMPLOYEES'
Charter #68161 · TN
A.U.B. EMPLOYEES' has 3 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 3.51% above tier average
- + Net Interest Margin 0.10% above tier average
- + Loan-to-Share Ratio: Top 0.9% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 6.91% above tier average
- - Total Delinquency Rate (60+ days): Bottom 2.8% in tier
- - Total Members: Bottom 5.3% in tier
- - Members Per Employee (MPE): Bottom 6.5% in tier
- - Total Deposits: Bottom 7.1% in tier
- - Total Assets: Bottom 7.1% in tier
- - Net Charge-Off Rate: Bottom 8.9% in tier
- - Asset Growth Rate: Bottom 9.4% 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 +3.4% year over year ($1.1M in shares and deposits).
- Membership: 214 members, +0.5% vs a year ago.
- Delinquency rate 8.45%.
- Return on assets 5.00%.
- Efficiency ratio 80.67% vs a 88.77% peer average.
- Loan-to-share ratio 113.17% 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 |
214
+0.5% YoY+1.4% QoQ
|
-2.4K |
2,585
-1.7% YoY
|
22,058
+4.8% YoY
|
34,678
+6.6% YoY
|
Bottom 5.3% in tier |
| Assets |
$1.4M
-6.9% YoY+1.6% QoQ
|
$-28.8M |
$30.3M
+1.5% YoY
|
$390.3M
+9.5% YoY
|
$593.1M
+10.2% YoY
|
Bottom 7.1% in tier |
| Loans |
$1.2M
-3.2% YoY+1.3% QoQ
|
$-14.3M |
$15.5M
-1.7% YoY
|
$289.3M
+8.5% YoY
|
$418.6M
+10.1% YoY
|
Bottom 12.7% in tier |
| Deposits |
$1.1M
+3.4% YoY+4.8% QoQ
|
$-24.7M |
$25.8M
+1.1% YoY
|
$326.4M
+8.9% YoY
|
$504.8M
+10.3% YoY
|
Bottom 7.0% in tier |
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| ROA |
5.0%
+844.2% YoY-214.8% QoQ
|
+3.5% |
1.5%
+241.5% YoY
|
1.1%
+46.9% YoY
|
1.2%
+121.4% YoY
|
Top 1.6% in tier |
| NIM |
4.0%
+12.5% YoY+2.5% QoQ
|
+0.1% |
3.9%
+0.9% YoY
|
3.9%
+2.1% YoY
|
3.8%
+2.3% YoY
|
56% |
| Efficiency Ratio |
80.7%
-5.4% YoY-9.6% QoQ
|
-8.1% |
88.8%
-6.9% YoY
|
78.9%
+2.6% YoY
|
83.0%
-5.3% YoY
|
50% |
| Delinquency Rate |
8.5%
+410.6% YoY+390.7% QoQ
|
+6.9 |
1.5%
+2.1% YoY
|
1.1%
-1.7% YoY
|
1.3%
+2.6% YoY
|
Bottom 2.8% in tier |
| Loan To Share |
113.2%
-6.4% YoY-3.4% QoQ
|
+54.3% |
58.9%
-3.1% YoY
|
68.7%
-1.7% YoY
|
66.4%
-1.4% YoY
|
Top 1.1% in tier |
| AMR |
$10,542
-0.7% YoY+1.5% QoQ
|
$-4K |
$14,963
-6.8% YoY
|
$19,228
+3.5% YoY
|
$20,028
-0.9% YoY
|
31% |
| CD Concentration | 0.0% | -24.6% | 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)