BlastPoint's Credit Union Scorecard
OLIVET BAPTIST
Charter #68165 · TN
2556 CUs in <100M nationally
87 in TN
OLIVET BAPTIST has 5 strengths but faces 10 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.07% 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 8.1% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 1.44% above tier average
- - Member decline: -4.3% YoY
- - Members Per Employee (MPE): Bottom 0.0% in tier
- - Average Member Relationship (AMR): Bottom 0.7% in tier
- - Loan-to-Member Ratio (LMR): Bottom 1.6% in tier
- - Total Loans: Bottom 3.1% in tier
- - Total Assets: Bottom 3.6% in tier
- - Total Deposits: Bottom 4.2% in tier
- - Loan-to-Share Ratio: Bottom 6.7% in tier
- - Fee Income Per Member: Bottom 9.1% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
896
-4.3% YoY-2.4% QoQ
|
-1.7K |
2,615
-1.9% YoY
|
21,265
+4.5% YoY
|
33,374
+5.7% YoY
|
26% |
| Assets |
$615,702
-2.5% YoY-7.9% QoQ
|
$-29.5M |
$30.1M
+2.1% YoY
|
$372.5M
+10.3% YoY
|
$561.6M
+9.7% YoY
|
Bottom 3.6% in tier |
| Loans |
$128,125
+6.7% YoY-9.3% QoQ
|
$-15.6M |
$15.8M
-1.3% YoY
|
$275.7M
+8.6% YoY
|
$397.0M
+8.8% YoY
|
Bottom 3.1% in tier |
| Deposits |
$522,733
-3.8% YoY-8.8% QoQ
|
$-25.2M |
$25.7M
+1.4% YoY
|
$312.1M
+9.5% YoY
|
$477.3M
+9.7% YoY
|
Bottom 4.1% in tier |
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| ROA |
0.7%
-58.7% YoY-29.4% QoQ
|
+0.1% |
0.6%
+10.8% YoY
|
0.7%
-5.8% YoY
|
0.7%
+15.9% YoY
|
51% |
| NIM |
3.3%
-16.1% YoY-1.2% QoQ
|
-0.7% |
4.0%
+4.0% YoY
|
3.8%
+3.7% YoY
|
3.8%
+5.1% YoY
|
28% |
| Efficiency Ratio |
76.7%
+36.0% YoY+11.2% QoQ
|
-5.8% |
82.6%
-2.3% YoY
|
79.4%
+2.9% YoY
|
79.7%
-3.3% YoY
|
42% |
| Delinquency Rate |
3.0%
+918.2% YoY-21.1% QoQ
|
+1.4 |
1.6%
-3.1% YoY
|
1.1%
-12.6% YoY
|
1.3%
-2.1% YoY
|
Top 13.1% in tier |
| Loan To Share |
24.5%
+10.9% YoY-0.6% QoQ
|
-36.1% |
60.6%
-3.1% YoY
|
70.0%
-2.2% YoY
|
67.4%
-1.7% YoY
|
Bottom 6.5% in tier |
| AMR |
$726.4
+2.5% YoY-6.6% QoQ
|
$-14K |
$14,783
-1.4% YoY
|
$18,770
+3.9% YoY
|
$19,687
+2.0% YoY
|
Bottom 0.6% in tier |
| 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 (5 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
208
Net Charge-Off Rate
risk
Value:
0.00%
Peer Median: -
#208 of 2556
Top 8.1% in <100M tier
426
Loan Growth Rate
growth
Value:
6.72%
Peer Median: -
#426 of 2556
Top 16.6% in <100M tier
Top Weaknesses (12 metrics)
2556
Members Per Employee (MPE)
engagement
Value:
-
Peer Median: -
#2556 of 2556
Bottom 0.0% in <100M tier
2540
Average Member Relationship (AMR)
engagement
Value:
$726.40
Peer Median: -
#2540 of 2556
Bottom 0.7% in <100M tier
2516
Loan-to-Member Ratio (LMR)
engagement
Value:
$143.00
Peer Median: -
#2516 of 2556
Bottom 1.6% in <100M tier
2478
Total Loans
balance_sheet
Value:
$128,125
Peer Median: -
#2478 of 2556
Bottom 3.1% in <100M tier
2464
Total Assets
balance_sheet
Value:
$615,702
Peer Median: -
#2464 of 2556
Bottom 3.6% in <100M tier
2450
Total Deposits
balance_sheet
Value:
$522,733
Peer Median: -
#2450 of 2556
Bottom 4.2% in <100M tier
2387
Loan-to-Share Ratio
balance_sheet
Value:
24.51%
Peer Median: -
#2387 of 2556
Bottom 6.7% in <100M tier
2324
Fee Income Per Member
profitability
Value:
$2.04
Peer Median: -
#2324 of 2556
Bottom 9.1% in <100M tier
2223
Total Delinquency Rate (60+ days)
risk
Value:
2.99%
Peer Median: -
#2223 of 2556
Bottom 13.1% in <100M tier
2018
Member Growth Rate
growth
Value:
-4.27%
Peer Median: -
#2018 of 2556
Bottom 21.1% in <100M tier