BlastPoint's Credit Union Scorecard
OLIVET BAPTIST
Charter #68165 · TN
<100M
2508 CUs in <100M nationally
86 in TN
OLIVET BAPTIST has 3 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.42% above tier average
- + Total Delinquency Rate (60+ days): Top 0.1% in tier
- + Loan Growth Rate: Top 0.7% in tier
Key Concerns
Areas that may need attention
- - Member decline: -5.8% 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 1.8% in tier
- - Total Assets: Bottom 3.5% in tier
- - Total Deposits: Bottom 4.1% in tier
- - Total Loans: Bottom 4.1% in tier
- - Deposit Growth Rate: Bottom 4.3% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
887
-5.8% YoY-1.0% QoQ
|
-1.8K |
2,676
+1.6% YoY
|
21,412
+3.7% YoY
|
33,913
+5.7% YoY
|
26% |
| Assets |
$598,898
-10.0% YoY-2.7% QoQ
|
$-29.6M |
$30.2M
+1.3% YoY
|
$379.6M
+8.7% YoY
|
$578.3M
+9.0% YoY
|
Bottom 3.5% in tier |
| Loans |
$185,215
+58.2% YoY+44.6% QoQ
|
$-15.1M |
$15.3M
-2.0% YoY
|
$279.0M
+7.7% YoY
|
$402.4M
+8.7% YoY
|
Bottom 4.1% in tier |
| Deposits |
$503,368
-12.6% YoY-3.7% QoQ
|
$-25.3M |
$25.8M
+0.7% YoY
|
$319.1M
+8.0% YoY
|
$494.3M
+9.1% YoY
|
Bottom 4.0% in tier |
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| ROA |
0.6%
-6.1% YoY-17.9% QoQ
|
+0.4% |
0.1%
-77.6% YoY
|
0.6%
-5.0% YoY
|
0.4%
-39.2% YoY
|
48% |
| NIM |
3.9%
+23.8% YoY+18.1% QoQ
|
-0.1% |
4.0%
+4.0% YoY
|
3.9%
+5.1% YoY
|
3.8%
+4.1% YoY
|
54% |
| Efficiency Ratio |
83.7%
+8.2% YoY+9.1% QoQ
|
-7.0% |
90.6%
+6.5% YoY
|
79.6%
+1.7% YoY
|
84.6%
+2.8% YoY
|
55% |
| Delinquency Rate |
0.0%
-100.0% YoY-100.0% QoQ
|
-1.5 |
1.5%
+3.8% YoY
|
0.9%
-14.5% YoY
|
1.2%
+3.4% YoY
|
Top 0.1% in tier |
| Loan To Share |
36.8%
+81.0% YoY+50.1% QoQ
|
-21.7% |
58.5%
-3.0% YoY
|
68.3%
-1.5% YoY
|
65.6%
-1.4% YoY
|
18% |
| AMR |
$776.3
+5.5% YoY+6.9% QoQ
|
$-14K |
$14,884
-1.7% YoY
|
$18,957
+3.0% YoY
|
$19,920
+1.6% YoY
|
Bottom 0.7% in tier |
| 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)
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 (7 metrics)
1
Total Delinquency Rate (60+ days)
risk
Value:
0.00%
Peer Median: 0.65%
#1 of 2508
Top 0.1% in <100M tier
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 0.00%
#1 of 2508
Top 0.1% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 3.66%
#1 of 2508
Top 0.1% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 12.45%
#1 of 2508
Top 0.1% in <100M tier
18
Loan Growth Rate
growth
Value:
58.16%
Peer Median: -2.36%
#18 of 2508
Top 0.7% in <100M tier
510
Net Charge-Off Rate
risk
Value:
0.00%
Peer Median: 0.07%
#510 of 2508
Top 20.3% in <100M tier
588
AMR Growth Rate
growth
Value:
5.50%
Peer Median: 1.27%
#588 of 2508
Top 23.4% in <100M tier
Top Weaknesses (11 metrics)
2508
Members Per Employee (MPE)
engagement
Value:
-
Peer Median: 333.750
#2508 of 2508
Bottom 0.1% in <100M tier
2491
Average Member Relationship (AMR)
engagement
Value:
$776.31
Peer Median: $13,926
#2491 of 2508
Bottom 0.7% in <100M tier
2464
Loan-to-Member Ratio (LMR)
engagement
Value:
$208.81
Peer Median: $4,923
#2464 of 2508
Bottom 1.8% in <100M tier
2420
Total Assets
balance_sheet
Value:
$598,898
Peer Median: $21.86M
#2420 of 2508
Bottom 3.5% in <100M tier
2407
Total Deposits
balance_sheet
Value:
$503,368
Peer Median: $18.77M
#2407 of 2508
Bottom 4.1% in <100M tier
2406
Total Loans
balance_sheet
Value:
$185,215
Peer Median: $9.48M
#2406 of 2508
Bottom 4.1% in <100M tier
2402
Deposit Growth Rate
growth
Value:
-12.62%
Peer Median: 0.66%
#2402 of 2508
Bottom 4.3% in <100M tier
2396
Asset Growth Rate
growth
Value:
-10.01%
Peer Median: 1.30%
#2396 of 2508
Bottom 4.5% in <100M tier
2182
Fee Income Per Member
profitability
Value:
$3.47
Peer Median: $60.42
#2182 of 2508
Bottom 13.0% in <100M tier
2155
Member Growth Rate
growth
Value:
-5.84%
Peer Median: -1.37%
#2155 of 2508
Bottom 14.1% in <100M tier