OLIVET BAPTIST
Charter #68165 | TN
<100M
(2596 CUs)
Micro
($0-$500M)
88 <100M in TN
OLIVET BAPTIST has 5 strengths but faces 10 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.30% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Net Charge-Off Rate: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 2.29% above tier average
- - Members Per Employee (MPE): Bottom 0.0% in tier
- - Average Member Relationship (AMR): Bottom 0.8% in tier
- - Loan-to-Member Ratio (LMR): Bottom 1.6% in tier
- - Total Loans: Bottom 3.4% in tier
- - Total Assets: Bottom 4.2% in tier
- - Total Deposits: Bottom 4.8% in tier
- - Loan-to-Share Ratio: Bottom 6.7% in tier
- - Total Delinquency Rate (60+ days): Bottom 8.9% in tier
- - Fee Income Per Member: Bottom 9.8% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
918
-1.6% YoY-1.4% QoQ
|
-1.7K |
2,625
-2.2% YoY
|
21,139
+4.9% YoY
|
33,089
+6.1% YoY
|
26th in tier |
| Assets |
$668,498
-0.1% YoY-3.4% QoQ
|
$-29.2M |
$29.9M
+1.1% YoY
|
$362.5M
+9.5% YoY
|
$547.7M
+7.8% YoY
|
Bottom 4.2% in tier |
| Loans |
$141,229
+1.9% YoY+14.1% QoQ
|
$-15.6M |
$15.8M
-2.4% YoY
|
$271.1M
+9.1% YoY
|
$388.7M
+8.6% YoY
|
Bottom 3.4% in tier |
| Deposits |
$573,014
-1.7% YoY-4.2% QoQ
|
$-24.9M |
$25.5M
+0.4% YoY
|
$303.0M
+8.7% YoY
|
$464.6M
+9.3% YoY
|
Bottom 4.7% in tier |
| ROA |
1.0%
-41.6% YoY-22.9% QoQ
|
+0.3% |
0.7%
-731.4% YoY
|
0.8%
+4.1% YoY
|
0.7%
+273.4% YoY
|
60th in tier |
| NIM |
3.3%
-6.8% YoY-5.8% QoQ
|
-0.6% |
3.9%
+3.8% YoY
|
3.8%
+5.1% YoY
|
3.7%
+5.0% YoY
|
29th in tier |
| Efficiency Ratio |
69.0%
+28.1% YoY+9.8% QoQ
|
-12.4% |
81.4%
-2.4% YoY
|
75.4%
-1.8% YoY
|
79.1%
-3.3% YoY
|
30th in tier |
| Delinquency Rate |
3.8%
+606.0% QoQ
|
+2.3 |
1.5%
-2.0% YoY
|
1.1%
+8.5% YoY
|
1.2%
-0.9% YoY
|
Top 8.9% in tier |
| Loan To Share |
24.6%
+3.7% YoY+19.2% QoQ
|
-36.6% |
61.2%
-3.0% YoY
|
70.4%
-2.4% YoY
|
68.0%
-1.7% YoY
|
Bottom 6.5% in tier |
| AMR |
$778.0
+0.6% YoY+0.3% QoQ
|
$-14K |
$14,627
-2.7% YoY
|
$18,470
+2.4% YoY
|
$19,418
+1.3% YoY
|
Bottom 0.7% in tier |
| CD Concentration | 0.0% | -24.4% |
24.4%
+4.2% YoY
|
22.3%
+6.6% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
6.9%
+1.1% YoY
|
7.9%
-2.9% YoY
|
50th in tier |
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 (4 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 14.49%
#1 of 2596
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 15.37%
#1 of 2596
Top 0.0% in <100M tier
246
Net Charge-Off Rate
risk
Value:
0.00%
Peer Avg: 0.57%
#246 of 2596
Top 9.4% in <100M tier
Top Weaknesses (9 metrics)
2596
Members Per Employee (MPE)
engagement
Value:
-
Peer Avg: 365.701
#2596 of 2596
Bottom 0.0% in <100M tier
2577
Average Member Relationship (AMR)
engagement
Value:
$778.04
Peer Avg: $14,627
#2577 of 2596
Bottom 0.8% in <100M tier
2555
Loan-to-Member Ratio (LMR)
engagement
Value:
$153.84
Peer Avg: $5,488
#2555 of 2596
Bottom 1.6% in <100M tier
2509
Total Loans
balance_sheet
Value:
$141,229
Peer Avg: $15.77M
#2509 of 2596
Bottom 3.4% in <100M tier
2488
Total Assets
balance_sheet
Value:
$668,498
Peer Avg: $29.86M
#2488 of 2596
Bottom 4.2% in <100M tier
2473
Total Deposits
balance_sheet
Value:
$573,014
Peer Avg: $25.45M
#2473 of 2596
Bottom 4.8% in <100M tier
2424
Loan-to-Share Ratio
balance_sheet
Value:
24.65%
Peer Avg: 61.23%
#2424 of 2596
Bottom 6.7% in <100M tier
2365
Total Delinquency Rate (60+ days)
risk
Value:
3.79%
Peer Avg: 1.51%
#2365 of 2596
Bottom 8.9% in <100M tier
2343
Fee Income Per Member
profitability
Value:
$1.94
Peer Avg: $182.96
#2343 of 2596
Bottom 9.8% in <100M tier