BlastPoint's Credit Union Scorecard
KOIN
Charter #68172 · TN
KOIN has 5 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Strong member growth: 7.8% YoY
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Member Growth Rate: Top 3.9% in tier
- + Average Member Relationship (AMR): Top 7.2% in tier
- + Loan-to-Member Ratio (LMR): Top 7.4% in tier
Key Concerns
Areas that may need attention
- - ROA 1.19% below tier average
- - Efficiency ratio 26.25% above tier (higher cost structure)
- - AMR Growth Rate: Bottom 3.8% in tier
- - Net Worth Ratio: Bottom 7.3% in tier
- - First Mortgage Concentration (%): Bottom 9.6% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,111
+7.8% YoY+0.7% QoQ
|
-504 |
2,615
-1.9% YoY
|
21,265
+4.5% YoY
|
33,374
+5.7% YoY
|
53% |
| Assets |
$36.2M
-4.7% YoY-2.0% QoQ
|
+$6.0M |
$30.1M
+2.1% YoY
|
$372.5M
+10.3% YoY
|
$561.6M
+9.7% YoY
|
66% |
| Loans |
$21.7M
-9.5% YoY-3.1% QoQ
|
+$5.9M |
$15.8M
-1.3% YoY
|
$275.7M
+8.6% YoY
|
$397.0M
+8.8% YoY
|
72% |
| Deposits |
$33.1M
-4.6% YoY-2.1% QoQ
|
+$7.4M |
$25.7M
+1.4% YoY
|
$312.1M
+9.5% YoY
|
$477.3M
+9.7% YoY
|
68% |
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| ROA |
-0.6%
-3.7% YoY-19.6% QoQ
|
-1.2% |
0.6%
+10.8% YoY
|
0.7%
-5.8% YoY
|
0.7%
+15.9% YoY
|
Bottom 8.3% in tier |
| NIM |
3.5%
+15.2% YoY+0.8% QoQ
|
-0.5% |
4.0%
+4.0% YoY
|
3.8%
+3.7% YoY
|
3.8%
+5.1% YoY
|
35% |
| Efficiency Ratio |
108.8%
-4.8% YoY-2.7% QoQ
|
+26.2% |
82.6%
-2.3% YoY
|
79.4%
+2.9% YoY
|
79.7%
-3.3% YoY
|
Top 6.8% in tier |
| Delinquency Rate |
0.4%
-46.3% YoY-5.5% QoQ
|
-1.1 |
1.6%
-3.1% YoY
|
1.1%
-12.6% YoY
|
1.3%
-2.1% YoY
|
38% |
| Loan To Share |
65.6%
-5.2% YoY-1.0% QoQ
|
+5.0% |
60.6%
-3.1% YoY
|
70.0%
-2.2% YoY
|
67.4%
-1.7% YoY
|
57% |
| AMR |
$25,934
-13.3% YoY-3.2% QoQ
|
+$11K |
$14,783
-1.4% YoY
|
$18,770
+3.9% YoY
|
$19,687
+2.0% YoY
|
Top 7.2% in tier |
| CD Concentration |
26.6%
+2.8% YoY+1.5% QoQ
|
+2.2% | 24.4% | 22.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 6.7% | 7.8% | 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)