BlastPoint's Credit Union Scorecard
KOIN
Charter #68172 · TN
KOIN has 2 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Fee Income Per Member: Top 2.9% in tier
- + Member Growth Rate: Top 9.9% in tier
Key Concerns
Areas that may need attention
- - ROA 0.91% below tier average
- - AMR Growth Rate: Bottom 7.8% in tier
- - First Mortgage Concentration (%): Bottom 9.2% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 84 that size in Tennessee.
- Shares and deposits -4.2% year over year ($31.6M in shares and deposits).
- Membership: 2,153 members, +3.3% vs a year ago.
- Delinquency rate 0.66%.
- Return on assets 0.58%.
- Efficiency ratio 82.87% vs a 88.77% peer average.
- Loan-to-share ratio 65.14% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,153
+3.3% YoY+0.6% QoQ
|
-432 |
2,585
-1.7% YoY
|
22,058
+4.8% YoY
|
34,678
+6.6% YoY
|
55% |
| Assets |
$34.9M
-3.6% YoY-3.2% QoQ
|
+$4.6M |
$30.3M
+1.5% YoY
|
$390.3M
+9.5% YoY
|
$593.1M
+10.2% YoY
|
64% |
| Loans |
$20.6M
-9.8% YoY-4.0% QoQ
|
+$5.1M |
$15.5M
-1.7% YoY
|
$289.3M
+8.5% YoY
|
$418.6M
+10.1% YoY
|
72% |
| Deposits |
$31.6M
-4.2% YoY-3.7% QoQ
|
+$5.8M |
$25.8M
+1.1% YoY
|
$326.4M
+8.9% YoY
|
$504.8M
+10.3% YoY
|
67% |
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| ROA |
0.6%
-165.0% YoY+4.4% QoQ
|
-0.9% |
1.5%
+241.5% YoY
|
1.1%
+46.9% YoY
|
1.2%
+121.4% YoY
|
36% |
| NIM |
3.8%
+10.7% YoY+3.9% QoQ
|
-0.1% |
3.9%
+0.9% YoY
|
3.9%
+2.1% YoY
|
3.8%
+2.3% YoY
|
45% |
| Efficiency Ratio |
82.9%
-29.1% YoY+4.8% QoQ
|
-5.9% |
88.8%
-6.9% YoY
|
78.9%
+2.6% YoY
|
83.0%
-5.3% YoY
|
56% |
| Delinquency Rate |
0.7%
-70.0% YoY+103.9% QoQ
|
-0.9 |
1.5%
+2.1% YoY
|
1.1%
-1.7% YoY
|
1.3%
+2.6% YoY
|
48% |
| Loan To Share |
65.1%
-5.9% YoY-0.3% QoQ
|
+6.2% |
58.9%
-3.1% YoY
|
68.7%
-1.7% YoY
|
66.4%
-1.4% YoY
|
59% |
| AMR |
$24,260
-9.5% YoY-4.3% QoQ
|
+$9K |
$14,963
-6.8% YoY
|
$19,228
+3.5% YoY
|
$20,028
-0.9% YoY
|
Top 10.2% in tier |
| CD Concentration |
24.1%
-4.5% YoY-3.0% QoQ
|
-0.4% | 24.6% | 22.4% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 6.8% | 7.7% | 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)