BlastPoint's Credit Union Scorecard
ALCOA TENN
Charter #1509 · TN
ALCOA TENN has 4 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.83% above tier average
- + Net Charge-Off Rate: Top 7.3% in tier
- + Total Assets: Top 7.3% in tier
- + Total Deposits: Top 7.4% in tier
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 50.0% in tier
- - Credit Quality Pressure: Bottom 50.0% in tier
- - Delinquency rate 0.17% above tier average
- - First Mortgage Concentration (%): Bottom 8.6% in tier
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 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 25 that size in Tennessee.
- Shares and deposits +4.2% year over year ($367M in shares and deposits).
- Membership: 22,223 members, +0.1% vs a year ago.
- Delinquency rate 1.05%.
- Return on assets 1.69%.
- Efficiency ratio 63.22% vs a 76.73% peer average.
- Loan-to-share ratio 65.97% vs a 71.54% 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 |
22,223
+0.1% YoY+0.4% QoQ
|
+7.1K |
15,168
-2.6% YoY
|
22,058
+4.8% YoY
|
34,678
+6.6% YoY
|
83% |
| Assets |
$426.9M
+5.5% YoY+0.6% QoQ
|
+$194.9M |
$232.0M
+0.7% YoY
|
$390.3M
+9.5% YoY
|
$593.1M
+10.2% YoY
|
Top 7.4% in tier |
| Loans |
$242.4M
+5.6% YoY+1.4% QoQ
|
+$96.1M |
$146.3M
+0.2% YoY
|
$289.3M
+8.5% YoY
|
$418.6M
+10.1% YoY
|
Top 14.6% in tier |
| Deposits |
$367.4M
+4.2% YoY-0.5% QoQ
|
+$166.7M |
$200.7M
+0.2% YoY
|
$326.4M
+8.9% YoY
|
$504.8M
+10.3% YoY
|
Top 7.5% in tier |
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| ROA |
1.7%
+4.1% YoY+1.5% QoQ
|
+0.8% |
0.9%
+12.5% YoY
|
1.1%
+46.9% YoY
|
1.2%
+121.4% YoY
|
Top 7.7% in tier |
| NIM |
3.6%
+5.2% YoY+3.7% QoQ
|
-0.1% |
3.7%
+4.5% YoY
|
3.9%
+2.1% YoY
|
3.8%
+2.3% YoY
|
48% |
| Efficiency Ratio |
63.2%
+0.6% YoY+0.1% QoQ
|
-13.5% |
76.7%
-0.8% YoY
|
78.9%
+2.6% YoY
|
83.0%
-5.3% YoY
|
Top 12.9% in tier |
| Delinquency Rate |
1.1%
+3.4% YoY+135.8% QoQ
|
+0.2 |
0.9%
+6.6% YoY
|
1.1%
-1.7% YoY
|
1.3%
+2.6% YoY
|
71% |
| Loan To Share |
66.0%
+1.4% YoY+2.0% QoQ
|
-5.6% |
71.5%
-0.3% YoY
|
68.7%
-1.7% YoY
|
66.4%
-1.4% YoY
|
35% |
| AMR |
$27,437
+4.7% YoY-0.1% QoQ
|
+$2K |
$25,107
+3.2% YoY
|
$19,228
+3.5% YoY
|
$20,028
-0.9% YoY
|
72% |
| CD Concentration |
22.7%
+0.4% YoY-1.1% QoQ
|
-1.9% | 24.6% | 22.4% | 20.0% | 50% |
| Indirect Auto % |
1.5%
+75.1% YoY-14.5% QoQ
|
-12.2% | 13.6% | 6.8% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (2)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)