BlastPoint's Credit Union Scorecard

CHATTANOOGA AREA SCHOOLS

Charter #690 · TN

1069 CUs in 100M-500M nationally 25 in TN

CHATTANOOGA AREA SCHOOLS has 4 strengths but faces 7 concerns

National Analysis

How does the industry compare?

TN Analysis

How does TN stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Organic Growth Leader: Top 84.0% in tier
+ Organic Growth Engine: Top 92.4% in tier
+ Indirect Auto Concentration (%): Top 0.0% in tier
+ Members Per Employee (MPE): Top 0.3% in tier

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 50.5% in tier
- Credit Quality Pressure: Bottom 69.6% in tier
- ROA 0.45% below tier average
- Efficiency ratio 1.42% above tier (higher cost structure)
- Fee Income Per Member: Bottom 0.3% in tier
- Net Interest Margin (NIM): Bottom 0.8% in tier
- Share Certificate Concentration (%): Bottom 3.4% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (TN)	National Avg	Tier Percentile
Members	12,383 +1.1% YoY-0.2% QoQ	-3.1K	15,437 -2.9% YoY	21,265 +4.5% YoY	33,374 +5.7% YoY	45%
Assets	$191.6M +3.7% YoY+1.2% QoQ	$-40.3M	$231.9M +1.3% YoY	$372.5M +10.3% YoY	$561.6M +9.7% YoY	49%
Loans	$88.7M +8.4% YoY+0.4% QoQ	$-58.6M	$147.3M -0.1% YoY	$275.7M +8.6% YoY	$397.0M +8.8% YoY	28%
Deposits	$167.5M +4.2% YoY+1.7% QoQ	$-33.4M	$200.8M +0.8% YoY	$312.1M +9.5% YoY	$477.3M +9.7% YoY	48%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.3% -274.7% YoY-14.8% QoQ	-0.4%	0.8% +18.2% YoY	0.7% -5.8% YoY	0.7% +15.9% YoY	18%
NIM	1.7% +42.9% YoY-0.2% QoQ	-1.9%	3.6% +6.7% YoY	3.8% +3.7% YoY	3.8% +5.1% YoY	Bottom 0.7% in tier
Efficiency Ratio	78.4% -30.8% YoY+0.3% QoQ	+1.4%	77.0% -3.1% YoY	79.4% +2.9% YoY	79.7% -3.3% YoY	54%
Delinquency Rate	0.4% +40.7% YoY+39.2% QoQ	-0.5	0.9% +4.2% YoY	1.1% -12.6% YoY	1.3% -2.1% YoY	22%
Loan To Share	53.0% +4.0% YoY-1.3% QoQ	-19.2%	72.2% -1.1% YoY	70.0% -2.2% YoY	67.4% -1.7% YoY	Bottom 12.9% in tier
AMR	$20,688 +4.5% YoY+1.5% QoQ	$-4K	$24,676 +3.4% YoY	$18,770 +3.9% YoY	$19,687 +2.0% YoY	38%
CD Concentration	45.0% +14.6% YoY+3.8% QoQ	+20.6%	24.4%	22.4%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	6.7%	7.8%	50%

Signature Analysis

Strengths (2)

Organic Growth Leader

growth

#358 of 426 • Top 84.0% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 1.05%

(Tier: 0.69%, National: 4.32%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.79%, National: 7.78%)

better than tier avg

426 of 1069 Mid-Small & Community CUs have this signature | 609 nationally

→ No prior data (426 CUs now) | New qualifier

Organic Growth Engine

growth

#550 of 595 • Top 92.4% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 1.05%

(Tier: 0.69%, National: 4.32%)

better than tier avg

Return on Assets: 0.32%

(Tier: 0.75%, National: 0.67%)

but worse than tier avg

Indirect Auto %: 0.00%

(Tier: 13.79%, National: 7.78%)

better than tier avg

595 of 1069 Mid-Small & Community CUs have this signature | 913 nationally

→ No prior data (595 CUs now) | New qualifier

Concerns (2)

Credit Risk Growth

risk

#231 of 456 • Bottom 50.5% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 8.36%

(Tier: 4.11%, National: 111.96%)

but better than tier avg

Delinquency Change (YoY): 0.11% points

(Tier: 0.03% points, National: 0.06% points)

worse than tier avg

456 of 1069 Mid-Small & Community CUs have this signature | 665 nationally

→ No prior data (456 CUs now) | New qualifier

Credit Quality Pressure

risk

#491 of 705 • Bottom 69.6% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.11% points

(Tier: 0.03% points, National: 0.06% points)

worse than tier avg

705 of 1069 Mid-Small & Community CUs have this signature | 969 nationally

↓ Shrinking -150 CUs YoY | Rank improving

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)

Compare against:

Comparing against 1069 peers in tier

Top Strengths (5 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: -

#1 of 1069 Top 0.0% in 100M-500M tier

Members Per Employee (MPE)

engagement

Value: 1031.917

Peer Median: -

#4 of 1069 Top 0.3% in 100M-500M tier

119

Net Charge-Off Rate

risk

Value: 0.08%

Peer Median: -

#119 of 1069 Top 11.0% in 100M-500M tier

239

Total Delinquency Rate (60+ days)

risk

Value: 0.38%

Peer Median: -

#239 of 1069 Top 22.3% in 100M-500M tier

242

Loan Growth Rate

growth

Value: 8.36%

Peer Median: -

#242 of 1069 Top 22.5% in 100M-500M tier

Top Weaknesses (6 metrics)

1067

Fee Income Per Member

profitability

Value: $3.69

Peer Median: -

#1067 of 1069 Bottom 0.3% in 100M-500M tier

1061

Net Interest Margin (NIM)

profitability

Value: 1.67%

Peer Median: -

#1061 of 1069 Bottom 0.8% in 100M-500M tier

1034

Share Certificate Concentration (%)

balance_sheet

Value: 45.00%

Peer Median: -

#1034 of 1069 Bottom 3.4% in 100M-500M tier

931

Loan-to-Share Ratio

balance_sheet

Value: 52.99%

Peer Median: -

#931 of 1069 Bottom 13.0% in 100M-500M tier

871

Return on Assets (ROA)

profitability

Value: 0.32%

Peer Median: -

#871 of 1069 Bottom 18.6% in 100M-500M tier

810

Loan-to-Member Ratio (LMR)

engagement

Value: $7,165

Peer Median: -

#810 of 1069 Bottom 24.3% in 100M-500M tier