BlastPoint's Credit Union Scorecard
ALCOA TENN
Charter #1509 · TN
ALCOA TENN has 4 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.97% above tier average
- + Efficiency Ratio: Top 8.2% in tier
- + Total Deposits: Top 8.4% in tier
- + Total Assets: Top 9.1% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 0.11% above tier average
- - First Mortgage Concentration (%): Bottom 8.5% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
22,070
-0.2% YoY-0.7% QoQ
|
+6.6K |
15,437
-2.9% YoY
|
21,265
+4.5% YoY
|
33,374
+5.7% YoY
|
82% |
| Assets |
$413.6M
+3.5% YoY+1.5% QoQ
|
+$181.7M |
$231.9M
+1.3% YoY
|
$372.5M
+10.3% YoY
|
$561.6M
+9.7% YoY
|
Top 9.2% in tier |
| Loans |
$237.8M
+5.2% YoY+1.5% QoQ
|
+$90.5M |
$147.3M
-0.1% YoY
|
$275.7M
+8.6% YoY
|
$397.0M
+8.8% YoY
|
84% |
| Deposits |
$360.9M
+2.5% YoY+1.7% QoQ
|
+$160.0M |
$200.8M
+0.8% YoY
|
$312.1M
+9.5% YoY
|
$477.3M
+9.7% YoY
|
Top 8.5% in tier |
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| ROA |
1.7%
+18.7% YoY+2.2% QoQ
|
+1.0% |
0.8%
+18.2% YoY
|
0.7%
-5.8% YoY
|
0.7%
+15.9% YoY
|
Top 5.3% in tier |
| NIM |
3.5%
+9.1% YoY+0.3% QoQ
|
-0.1% |
3.6%
+6.7% YoY
|
3.8%
+3.7% YoY
|
3.8%
+5.1% YoY
|
46% |
| Efficiency Ratio |
61.0%
-12.2% YoY-1.1% QoQ
|
-16.0% |
77.0%
-3.1% YoY
|
79.4%
+2.9% YoY
|
79.7%
-3.3% YoY
|
Bottom 8.2% in tier |
| Delinquency Rate |
1.0%
-1.7% YoY-6.8% QoQ
|
+0.1 |
0.9%
+4.2% YoY
|
1.1%
-12.6% YoY
|
1.3%
-2.1% YoY
|
69% |
| Loan To Share |
65.9%
+2.7% YoY-0.2% QoQ
|
-6.3% |
72.2%
-1.1% YoY
|
70.0%
-2.2% YoY
|
67.4%
-1.7% YoY
|
34% |
| AMR |
$27,126
+3.7% YoY+2.4% QoQ
|
+$2K |
$24,676
+3.4% YoY
|
$18,770
+3.9% YoY
|
$19,687
+2.0% YoY
|
72% |
| CD Concentration |
22.8%
-5.2% YoY+1.1% QoQ
|
-1.6% | 24.4% | 22.4% | 19.8% | 50% |
| Indirect Auto % |
1.9%
-11.2% QoQ
|
-11.9% | 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)