BlastPoint's Credit Union Scorecard

ALCOA TENN

Charter #1509 · TN

100M-500M

1070 CUs in 100M-500M nationally 25 in TN

ALCOA TENN has 4 strengths but faces 1 concern

National Analysis

How does the industry compare?

TN Analysis

How does TN stack up?

Key Strengths

Areas where this CU excels compared to peers

+ ROA 0.94% above tier average
+ Net Charge-Off Rate: Top 3.8% in tier
+ Total Assets: Top 7.2% in tier
+ Total Deposits: Top 7.3% in tier

Key Concerns

Areas that may need attention

- First Mortgage Concentration (%): Bottom 8.8% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (TN)	National Avg	Tier Percentile
Members	22,137 -0.3% YoY+0.3% QoQ	+7.0K	15,145 -2.5% YoY	21,412 +3.7% YoY	33,913 +5.7% YoY	84%
Assets	$424.5M +4.4% YoY+2.6% QoQ	+$192.8M	$231.7M +0.8% YoY	$379.6M +8.7% YoY	$578.3M +9.0% YoY	Top 7.3% in tier
Loans	$238.9M +4.6% YoY+0.4% QoQ	+$94.7M	$144.1M +0.2% YoY	$279.0M +7.7% YoY	$402.4M +8.7% YoY	85%
Deposits	$369.3M +3.5% YoY+2.3% QoQ	+$168.2M	$201.1M +0.4% YoY	$319.1M +8.0% YoY	$494.3M +9.1% YoY	Top 7.4% in tier

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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	1.7% +15.9% YoY-3.8% QoQ	+0.9%	0.7% +5.1% YoY	0.6% -5.0% YoY	0.4% -39.2% YoY	Top 8.0% in tier
NIM	3.5% +6.6% YoY-0.8% QoQ	-0.1%	3.6% +4.6% YoY	3.9% +5.1% YoY	3.8% +4.1% YoY	43%
Efficiency Ratio	63.2% -1.8% YoY+3.5% QoQ	-14.9%	78.0% -1.7% YoY	79.6% +1.7% YoY	84.6% +2.8% YoY	Top 12.0% in tier
Delinquency Rate	0.4% -14.0% YoY-55.5% QoQ	-0.3	0.8% +7.1% YoY	0.9% -14.5% YoY	1.2% +3.4% YoY	36%
Loan To Share	64.7% +1.0% YoY-1.9% QoQ	-5.7%	70.4% -0.4% YoY	68.3% -1.5% YoY	65.6% -1.4% YoY	35%
AMR	$27,474 +4.2% YoY+1.3% QoQ	+$3K	$24,918 +2.7% YoY	$18,957 +3.0% YoY	$19,920 +1.6% YoY	72%
CD Concentration	22.9% +1.4% YoY+0.3% QoQ	-1.4%	24.3%	22.3%	19.8%	50%
Indirect Auto %	1.7% +86.1% YoY-11.9% QoQ	-12.1%	13.8%	6.8%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

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 1070 peers in tier

Top Strengths (8 metrics)

Net Charge-Off Rate

risk

Value: -0.01%

Peer Median: 0.35%

#42 of 1070 Top 3.8% in 100M-500M tier

Total Assets

balance_sheet

Value: $424.49M

Peer Median: $196.57M

#78 of 1070 Top 7.2% in 100M-500M tier

Total Deposits

balance_sheet

Value: $369.31M

Peer Median: $171.29M

#79 of 1070 Top 7.3% in 100M-500M tier

Return on Assets (ROA)

profitability

Value: 1.67%

Peer Median: 0.69%

#86 of 1070 Top 7.9% in 100M-500M tier

129

Efficiency Ratio

profitability

Value: 63.17%

Peer Median: 78.68%

#129 of 1070 Top 12.0% in 100M-500M tier

165

Total Loans

balance_sheet

Value: $238.89M

Peer Median: $121.41M

#165 of 1070 Top 15.3% in 100M-500M tier

177

Total Members

engagement

Value: 22,137

Peer Median: 13,200

#177 of 1070 Top 16.4% in 100M-500M tier

268

Net Worth Ratio

risk

Value: 13.52%

Peer Median: 11.45%

#268 of 1070 Top 25.0% in 100M-500M tier

Top Weaknesses (1 metrics)

977

First Mortgage Concentration (%)

balance_sheet

Value: 56.04%

Peer Median: 29.47%

#977 of 1070 Bottom 8.8% in 100M-500M tier