BlastPoint's Credit Union Scorecard
TONGASS
Charter #15523 · AK
TONGASS has 7 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Leader: Top 50.0% in tier
- + Organic Growth Engine: Top 50.0% in tier
- + Net Interest Margin 0.72% above tier average
- + Strong member growth: 5.3% YoY
- + Asset Growth Rate: Top 7.7% in tier
- + Fee Income Per Member: Top 8.2% in tier
- + Member Growth Rate: Top 9.3% 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
- - Efficiency Drag: Bottom 50.0% in tier
- - ROA 0.30% below tier average
- - Efficiency ratio 11.47% above tier (higher cost structure)
- - Members Per Employee (MPE): Bottom 0.4% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (AK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
14,609
+5.3% YoY+1.2% QoQ
|
-536 |
15,145
-2.5% YoY
|
114,751
+3.4% YoY
|
33,913
+5.7% YoY
|
57% |
| Assets |
$246.6M
+10.9% YoY-1.7% QoQ
|
+$14.9M |
$231.7M
+0.8% YoY
|
$1.8B
+8.8% YoY
|
$578.3M
+9.0% YoY
|
62% |
| Loans |
$163.4M
+8.4% YoY+0.9% QoQ
|
+$19.3M |
$144.1M
+0.2% YoY
|
$1.4B
+7.7% YoY
|
$402.4M
+8.7% YoY
|
66% |
| Deposits |
$208.5M
+8.6% YoY-2.5% QoQ
|
+$7.3M |
$201.1M
+0.4% YoY
|
$1.6B
+10.3% YoY
|
$494.3M
+9.1% YoY
|
61% |
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| ROA |
0.4%
+174.6% YoY+14.6% QoQ
|
-0.3% |
0.7%
+5.1% YoY
|
0.8%
+12.2% YoY
|
0.4%
-39.2% YoY
|
31% |
| NIM |
4.3%
-0.3% YoY+3.9% QoQ
|
+0.7% |
3.6%
+4.6% YoY
|
4.2%
+5.3% YoY
|
3.8%
+4.1% YoY
|
Top 13.1% in tier |
| Efficiency Ratio |
89.5%
-6.1% YoY-0.2% QoQ
|
+11.5% |
78.0%
-1.7% YoY
|
77.7%
-1.8% YoY
|
84.6%
+2.8% YoY
|
84% |
| Delinquency Rate |
0.6%
+121.1% YoY-7.9% QoQ
|
-0.2 |
0.8%
+7.1% YoY
|
0.8%
+11.5% YoY
|
1.2%
+3.4% YoY
|
45% |
| Loan To Share |
78.4%
-0.2% YoY+3.4% QoQ
|
+8.0% |
70.4%
-0.4% YoY
|
75.0%
-0.5% YoY
|
65.6%
-1.4% YoY
|
64% |
| AMR |
$25,456
+3.0% YoY-2.2% QoQ
|
+$537 |
$24,918
+2.7% YoY
|
$26,073
+2.2% YoY
|
$19,920
+1.6% YoY
|
64% |
| CD Concentration |
25.5%
-0.1% YoY+2.2% QoQ
|
+1.2% | 24.3% | 22.8% | 19.8% | 50% |
| Indirect Auto % |
2.6%
+164.6% YoY-19.0% QoQ
|
-11.2% | 13.8% | 15.3% | 7.7% | 50% |
Signature Analysis
Strengths (2)
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (3)
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.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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)