BlastPoint's Credit Union Scorecard
KOIN
Charter #68172 · TN
KOIN has 5 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.41% above tier average
- + Fee Income Per Member: Top 1.5% in tier
- + Average Member Relationship (AMR): Top 8.0% in tier
- + Loan-to-Member Ratio (LMR): Top 8.0% in tier
- + Member Growth Rate: Top 8.6% in tier
Key Concerns
Areas that may need attention
- - AMR Growth Rate: Bottom 7.3% in tier
- - Net Worth Ratio: Bottom 8.7% in tier
- - First Mortgage Concentration (%): Bottom 10.0% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,141
+4.0% YoY+1.4% QoQ
|
-535 |
2,676
+1.6% YoY
|
21,412
+3.7% YoY
|
33,913
+5.7% YoY
|
55% |
| Assets |
$36.0M
-4.0% YoY-0.4% QoQ
|
+$5.8M |
$30.2M
+1.3% YoY
|
$379.6M
+8.7% YoY
|
$578.3M
+9.0% YoY
|
65% |
| Loans |
$21.5M
-9.3% YoY-1.1% QoQ
|
+$6.2M |
$15.3M
-2.0% YoY
|
$279.0M
+7.7% YoY
|
$402.4M
+8.7% YoY
|
73% |
| Deposits |
$32.8M
-4.1% YoY-0.7% QoQ
|
+$7.1M |
$25.8M
+0.7% YoY
|
$319.1M
+8.0% YoY
|
$494.3M
+9.1% YoY
|
68% |
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| ROA |
0.6%
-215.1% YoY-199.0% QoQ
|
+0.4% |
0.1%
-77.6% YoY
|
0.6%
-5.0% YoY
|
0.4%
-39.2% YoY
|
48% |
| NIM |
3.6%
+10.6% YoY+3.4% QoQ
|
-0.4% |
4.0%
+4.0% YoY
|
3.9%
+5.1% YoY
|
3.8%
+4.1% YoY
|
41% |
| Efficiency Ratio |
79.1%
-28.1% YoY-27.3% QoQ
|
-11.5% |
90.6%
+6.5% YoY
|
79.6%
+1.7% YoY
|
84.6%
+2.8% YoY
|
44% |
| Delinquency Rate |
0.3%
-38.7% YoY-26.8% QoQ
|
-1.2 |
1.5%
+3.8% YoY
|
0.9%
-14.5% YoY
|
1.2%
+3.4% YoY
|
36% |
| Loan To Share |
65.3%
-5.4% YoY-0.5% QoQ
|
+6.8% |
58.5%
-3.0% YoY
|
68.3%
-1.5% YoY
|
65.6%
-1.4% YoY
|
60% |
| AMR |
$25,357
-9.9% YoY-2.2% QoQ
|
+$10K |
$14,884
-1.7% YoY
|
$18,957
+3.0% YoY
|
$19,920
+1.6% YoY
|
Top 8.1% in tier |
| CD Concentration |
24.9%
-1.7% YoY-6.4% QoQ
|
+0.6% | 24.3% | 22.3% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 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)