BlastPoint's Credit Union Scorecard
FOOTHILLS
Charter #15015 · TN
FOOTHILLS has 8 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + Total Deposits: Top 1.1% in tier
- + Total Assets: Top 1.7% in tier
- + Asset Growth Rate: Top 4.1% in tier
- + Deposit Growth Rate: Top 5.3% in tier
- + Fee Income Per Member: Top 7.4% in tier
- + Net Charge-Off Rate: Top 7.9% in tier
- + Total Loans: Top 8.4% in tier
- + AMR Growth Rate: Top 9.1% in tier
Key Concerns
Areas that may need attention
- - ROA 0.59% below tier average
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 +12.6% year over year ($84.7M in shares and deposits).
- Membership: 5,227 members, -1.0% vs a year ago.
- Delinquency rate 1.20%.
- Return on assets 0.91%.
- Efficiency ratio 77.05% vs a 88.77% peer average.
- Loan-to-share ratio 50.57% 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 |
5,227
-1.0% YoY-0.5% QoQ
|
+2.6K |
2,585
-1.7% YoY
|
22,058
+4.8% YoY
|
34,678
+6.6% YoY
|
Top 12.1% in tier |
| Assets |
$94.6M
+12.3% YoY+1.8% QoQ
|
+$64.3M |
$30.3M
+1.5% YoY
|
$390.3M
+9.5% YoY
|
$593.1M
+10.2% YoY
|
Top 1.7% in tier |
| Loans |
$42.9M
+3.1% YoY+0.8% QoQ
|
+$27.4M |
$15.5M
-1.7% YoY
|
$289.3M
+8.5% YoY
|
$418.6M
+10.1% YoY
|
Top 8.5% in tier |
| Deposits |
$84.7M
+12.6% YoY+1.6% QoQ
|
+$58.9M |
$25.8M
+1.1% YoY
|
$326.4M
+8.9% YoY
|
$504.8M
+10.3% YoY
|
Top 1.1% in tier |
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| ROA |
0.9%
+27.3% YoY+1.2% QoQ
|
-0.6% |
1.5%
+241.5% YoY
|
1.1%
+46.9% YoY
|
1.2%
+121.4% YoY
|
56% |
| NIM |
3.1%
+3.7% YoY+4.5% QoQ
|
-0.8% |
3.9%
+0.9% YoY
|
3.9%
+2.1% YoY
|
3.8%
+2.3% YoY
|
21% |
| Efficiency Ratio |
77.1%
-5.9% YoY+2.3% QoQ
|
-11.7% |
88.8%
-6.9% YoY
|
78.9%
+2.6% YoY
|
83.0%
-5.3% YoY
|
41% |
| Delinquency Rate |
1.2%
+366.4% YoY+1701.7% QoQ
|
-0.3 |
1.5%
+2.1% YoY
|
1.1%
-1.7% YoY
|
1.3%
+2.6% YoY
|
66% |
| Loan To Share |
50.6%
-8.4% YoY-0.8% QoQ
|
-8.3% |
58.9%
-3.1% YoY
|
68.7%
-1.7% YoY
|
66.4%
-1.4% YoY
|
37% |
| AMR |
$24,413
+10.3% YoY+1.8% QoQ
|
+$9K |
$14,963
-6.8% YoY
|
$19,228
+3.5% YoY
|
$20,028
-0.9% YoY
|
Top 10.0% in tier |
| CD Concentration |
31.9%
+31.4% YoY-1.0% QoQ
|
+7.3% | 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)