BlastPoint's Credit Union Scorecard

ALCOA TENN

Charter #1509 · TN

1077 CUs in 100M-500M nationally 25 in TN

ALCOA TENN has 3 strengths but faces 6 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

+ Profitability Leader: Top 25.1% in tier
+ ROA 0.91% above tier average
+ Total Deposits: Top 9.3% in tier

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 9.7% in tier
- Stagnation Risk: Bottom 10.0% in tier
- Credit Risk Growth: Bottom 12.8% in tier
- Membership Headwinds: Bottom 31.6% in tier
- Delinquency rate 0.22% above tier average
- First Mortgage Concentration (%): Bottom 8.3% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (TN)	National Avg	Tier Percentile
Members	22,233 -0.7% YoY+0.1% QoQ	+6.6K	15,628 -3.4% YoY	21,139 +4.9% YoY	33,089 +6.1% YoY	81%
Assets	$407.4M +2.5% YoY+0.7% QoQ	+$176.1M	$231.3M -0.0% YoY	$362.5M +9.5% YoY	$547.7M +7.8% YoY	Top 10.1% in tier
Loans	$234.4M +4.6% YoY+2.2% QoQ	+$86.6M	$147.8M -1.4% YoY	$271.1M +9.1% YoY	$388.7M +8.6% YoY	83%
Deposits	$354.8M +1.0% YoY+0.6% QoQ	+$154.5M	$200.3M -0.0% YoY	$303.0M +8.7% YoY	$464.6M +9.3% YoY	Top 9.4% 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% +32.0% YoY+4.3% QoQ	+0.9%	0.8% +15.5% YoY	0.8% +4.1% YoY	0.7% +273.4% YoY	Top 7.1% in tier
NIM	3.5% +9.7% YoY+1.9% QoQ	-0.1%	3.6% +6.9% YoY	3.8% +5.1% YoY	3.7% +5.0% YoY	46%
Efficiency Ratio	61.7% -17.0% YoY-1.8% QoQ	-15.6%	77.3% -3.0% YoY	75.4% -1.8% YoY	79.1% -3.3% YoY	Bottom 10.4% in tier
Delinquency Rate	1.1% +42.6% YoY+5.8% QoQ	+0.2	0.9% +7.6% YoY	1.1% +8.5% YoY	1.2% -0.9% YoY	74%
Loan To Share	66.1% +3.6% YoY+1.6% QoQ	-6.6%	72.7% -1.5% YoY	70.4% -2.4% YoY	68.0% -1.7% YoY	33%
AMR	$26,503 +3.2% YoY+1.1% QoQ	+$2K	$24,363 +2.9% YoY	$18,470 +2.4% YoY	$19,418 +1.3% YoY	71%
CD Concentration	22.6% -5.7% YoY+0.0% QoQ	-1.8%	24.4% +4.2% YoY	22.3% +6.6% YoY	19.6% +6.2% YoY	50%
Indirect Auto %	2.2% +161.7% QoQ	-11.8%	14.0% -5.7% YoY	6.9% +1.1% YoY	7.9% -2.9% YoY	50%

Signature Analysis

Strengths (1)

Profitability Leader

growth

#86 of 340 • Top 25.1% in tier

Top-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.

Why This Signature

Return on Assets: 1.70%

(Tier: 0.77%, National: 0.71%)

better than tier avg

ROA Change (YoY): 0.41% points

(Tier: 0.11% points, National: 0.05% points)

better than tier avg

340 of 1077 Community CUs have this signature | 457 nationally

→ Stable (341→340 CUs) -1 CUs YoY | Rank improving

Concerns (4)

Credit Quality Pressure

risk

#241 of 736 • Bottom 9.7% in tier

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

Why This Signature

Delinquency Change (YoY): 0.32% points

(Tier: 0.04% points, National: 0.07% points)

worse than tier avg

736 of 1077 Community CUs have this signature | 1002 nationally

↓ Shrinking -199 CUs YoY | Rank improving

Stagnation Risk

risk

#166 of 550 • Bottom 10.0% in tier

Membership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -0.69%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

Loan Growth (YoY): 4.64%

(Tier: 3.65%, National: 36.38%)

but better than tier avg

Delinquency Rate: 1.08%

(Tier: 0.85%, National: 1.23%)

worse than tier avg

550 of 1077 Community CUs have this signature | 648 nationally

→ Stable (555→550 CUs) -5 CUs YoY | Rank worsening

Credit Risk Growth

risk

#193 of 446 • Bottom 12.8% in tier

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

Why This Signature

Loan Growth (YoY): 4.64%

(Tier: 3.65%, National: 36.38%)

but better than tier avg

Delinquency Change (YoY): 0.32% points

(Tier: 0.04% points, National: 0.07% points)

worse than tier avg

446 of 1077 Community CUs have this signature | 646 nationally

↓ Shrinking -77 CUs YoY | New qualifier

Membership Headwinds

decline

#521 of 550 • Bottom 31.6% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -0.69%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

550 of 1077 Community CUs have this signature | 648 nationally

→ Stable (555→550 CUs) -5 CUs YoY | Rank worsening

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 1077 peers in tier

Top Strengths (7 metrics)

Return on Assets (ROA)

profitability

Value: 1.70%

Peer Avg: -

#76 of 1077 Top 7.0% in 100M-500M tier

101

Total Deposits

balance_sheet

Value: $354.83M

Peer Avg: -

#101 of 1077 Top 9.3% in 100M-500M tier

109

Total Assets

balance_sheet

Value: $407.43M

Peer Avg: -

#109 of 1077 Top 10.0% in 100M-500M tier

113

Efficiency Ratio

profitability

Value: 61.72%

Peer Avg: -

#113 of 1077 Top 10.4% in 100M-500M tier

181

Net Charge-Off Rate

risk

Value: 0.11%

Peer Avg: -

#181 of 1077 Top 16.7% in 100M-500M tier

182

Total Loans

balance_sheet

Value: $234.42M

Peer Avg: -

#182 of 1077 Top 16.8% in 100M-500M tier

200

Total Members

engagement

Value: 22,233

Peer Avg: -

#200 of 1077 Top 18.5% in 100M-500M tier

Top Weaknesses (1 metrics)

989

First Mortgage Concentration (%)

balance_sheet

Value: 56.20%

Peer Avg: -

#989 of 1077 Bottom 8.3% in 100M-500M tier