BlastPoint's Credit Union Scorecard
A.U.B. EMPLOYEES'
Charter #68161 · TN
2556 CUs in <100M nationally
87 in TN
A.U.B. EMPLOYEES' has 6 strengths but faces 11 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Loan-to-Share Ratio: Top 0.9% in tier
- + Net Charge-Off Rate: Top 8.1% in tier
- + Net Worth Ratio: Top 8.7% in tier
Key Concerns
Areas that may need attention
- - ROA 0.44% below tier average
- - Efficiency ratio 12.35% above tier (higher cost structure)
- - Delinquency rate 1.12% above tier average
- - Member decline: -7.4% YoY
- - Asset Growth Rate: Bottom 2.9% in tier
- - Total Members: Bottom 5.1% in tier
- - Members Per Employee (MPE): Bottom 6.5% in tier
- - Total Deposits: Bottom 7.4% in tier
- - Total Assets: Bottom 7.5% in tier
- - Member Growth Rate: Bottom 9.0% in tier
- - Deposit Growth Rate: Bottom 9.5% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
213
-7.4% YoY-1.4% QoQ
|
-2.4K |
2,615
-1.9% YoY
|
21,265
+4.5% YoY
|
33,374
+5.7% YoY
|
Bottom 5.0% in tier |
| Assets |
$1.5M
-12.0% YoY+1.1% QoQ
|
$-28.7M |
$30.1M
+2.1% YoY
|
$372.5M
+10.3% YoY
|
$561.6M
+9.7% YoY
|
Bottom 7.5% in tier |
| Loans |
$1.2M
-9.7% YoY+0.3% QoQ
|
$-14.5M |
$15.8M
-1.3% YoY
|
$275.7M
+8.6% YoY
|
$397.0M
+8.8% YoY
|
Bottom 12.8% in tier |
| Deposits |
$1.1M
-8.5% YoY+3.1% QoQ
|
$-24.6M |
$25.7M
+1.4% YoY
|
$312.1M
+9.5% YoY
|
$477.3M
+9.7% YoY
|
Bottom 7.4% in tier |
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| ROA |
0.2%
+88.0% YoY-71.5% QoQ
|
-0.4% |
0.6%
+10.8% YoY
|
0.7%
-5.8% YoY
|
0.7%
+15.9% YoY
|
24% |
| NIM |
3.4%
-2.4% YoY-8.2% QoQ
|
-0.5% |
4.0%
+4.0% YoY
|
3.8%
+3.7% YoY
|
3.8%
+5.1% YoY
|
32% |
| Efficiency Ratio |
94.9%
+1.6% YoY+13.5% QoQ
|
+12.4% |
82.6%
-2.3% YoY
|
79.4%
+2.9% YoY
|
79.7%
-3.3% YoY
|
83% |
| Delinquency Rate |
2.7%
+61.2% YoY-17.3% QoQ
|
+1.1 |
1.6%
-3.1% YoY
|
1.1%
-12.6% YoY
|
1.3%
-2.1% YoY
|
85% |
| Loan To Share |
115.4%
-1.3% YoY-2.7% QoQ
|
+54.7% |
60.6%
-3.1% YoY
|
70.0%
-2.2% YoY
|
67.4%
-1.7% YoY
|
Top 1.0% in tier |
| AMR |
$10,786
-1.9% YoY+3.0% QoQ
|
$-4K |
$14,783
-1.4% YoY
|
$18,770
+3.9% YoY
|
$19,687
+2.0% YoY
|
32% |
| CD Concentration | 0.0% | -24.4% | 24.4% | 22.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 6.7% | 7.8% | 50% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
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)
Top Strengths (6 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
24
Loan-to-Share Ratio
balance_sheet
Value:
115.35%
Peer Median: -
#24 of 2556
Top 0.9% in <100M tier
208
Net Charge-Off Rate
risk
Value:
0.00%
Peer Median: -
#208 of 2556
Top 8.1% in <100M tier
224
Net Worth Ratio
risk
Value:
26.90%
Peer Median: -
#224 of 2556
Top 8.7% in <100M tier
Top Weaknesses (13 metrics)
2484
Asset Growth Rate
growth
Value:
-12.05%
Peer Median: -
#2484 of 2556
Bottom 2.9% in <100M tier
2427
Total Members
engagement
Value:
213
Peer Median: -
#2427 of 2556
Bottom 5.1% in <100M tier
2391
Members Per Employee (MPE)
engagement
Value:
106.500
Peer Median: -
#2391 of 2556
Bottom 6.5% in <100M tier
2367
Total Deposits
balance_sheet
Value:
$1.07M
Peer Median: -
#2367 of 2556
Bottom 7.4% in <100M tier
2365
Total Assets
balance_sheet
Value:
$1.48M
Peer Median: -
#2365 of 2556
Bottom 7.5% in <100M tier
2327
Member Growth Rate
growth
Value:
-7.39%
Peer Median: -
#2327 of 2556
Bottom 9.0% in <100M tier
2313
Deposit Growth Rate
growth
Value:
-8.50%
Peer Median: -
#2313 of 2556
Bottom 9.5% in <100M tier
2294
Fee Income Per Member
profitability
Value:
$2.81
Peer Median: -
#2294 of 2556
Bottom 10.3% in <100M tier
2228
Total Loans
balance_sheet
Value:
$1.23M
Peer Median: -
#2228 of 2556
Bottom 12.9% in <100M tier
2167
Total Delinquency Rate (60+ days)
risk
Value:
2.67%
Peer Median: -
#2167 of 2556
Bottom 15.3% in <100M tier