BlastPoint's Credit Union Scorecard
FOOTHILLS
Charter #15015 · TN
FOOTHILLS demonstrates 5 strengths
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.23% above tier average
- + Total Deposits: Top 3.6% in tier
- + Total Assets: Top 4.7% in tier
- + Total Loans: Top 8.4% in tier
- + Fee Income Per Member: Top 8.8% in tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
5,273
+0.0% YoY-0.0% QoQ
|
+2.7K |
2,615
-1.9% YoY
|
21,265
+4.5% YoY
|
33,374
+5.7% YoY
|
Top 12.2% in tier |
| Assets |
$87.5M
-0.1% YoY+3.6% QoQ
|
+$57.4M |
$30.1M
+2.1% YoY
|
$372.5M
+10.3% YoY
|
$561.6M
+9.7% YoY
|
Top 4.7% in tier |
| Loans |
$43.0M
+6.2% YoY+2.7% QoQ
|
+$27.2M |
$15.8M
-1.3% YoY
|
$275.7M
+8.6% YoY
|
$397.0M
+8.8% YoY
|
Top 8.5% in tier |
| Deposits |
$78.1M
-1.1% YoY+3.8% QoQ
|
+$52.4M |
$25.7M
+1.4% YoY
|
$312.1M
+9.5% YoY
|
$477.3M
+9.7% YoY
|
Top 3.7% in tier |
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| ROA |
0.9%
+24.7% YoY+5.7% QoQ
|
+0.2% |
0.6%
+10.8% YoY
|
0.7%
-5.8% YoY
|
0.7%
+15.9% YoY
|
59% |
| NIM |
3.2%
+22.1% YoY+1.6% QoQ
|
-0.8% |
4.0%
+4.0% YoY
|
3.8%
+3.7% YoY
|
3.8%
+5.1% YoY
|
23% |
| Efficiency Ratio |
79.8%
-1.8% YoY-0.9% QoQ
|
-2.8% |
82.6%
-2.3% YoY
|
79.4%
+2.9% YoY
|
79.7%
-3.3% YoY
|
50% |
| Delinquency Rate |
0.3%
-23.0% YoY-21.6% QoQ
|
-1.3 |
1.6%
-3.1% YoY
|
1.1%
-12.6% YoY
|
1.3%
-2.1% YoY
|
30% |
| Loan To Share |
55.0%
+7.4% YoY-1.0% QoQ
|
-5.6% |
60.6%
-3.1% YoY
|
70.0%
-2.2% YoY
|
67.4%
-1.7% YoY
|
42% |
| AMR |
$22,968
+1.3% YoY+3.4% QoQ
|
+$8K |
$14,783
-1.4% YoY
|
$18,770
+3.9% YoY
|
$19,687
+2.0% YoY
|
Top 12.1% in tier |
| CD Concentration |
30.6%
-2.6% YoY+8.5% QoQ
|
+6.1% | 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)