BlastPoint's Credit Union Scorecard

TONGASS

Charter #15523 · AK

1077 CUs in 100M-500M nationally 5 in AK

TONGASS has 5 strengths but faces 4 concerns

National Analysis

How does the industry compare?

AK Analysis

How does AK stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Organic Growth Leader: Top 8.5% in tier
+ Organic Growth Engine: Top 21.0% in tier
+ Credit Quality Leader: Top 81.4% in tier
+ Net Interest Margin 0.67% above tier average
+ Asset Growth Rate: Top 8.4% in tier

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 9.0% in tier
- ROA 0.46% below tier average
- Efficiency ratio 14.28% above tier (higher cost structure)
- Members Per Employee (MPE): Bottom 0.8% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (AK)	National Avg	Tier Percentile
Members	14,295 +4.3% YoY+1.5% QoQ	-1.3K	15,628 -3.4% YoY	113,900 +3.3% YoY	33,089 +6.1% YoY	54%
Assets	$249.6M +11.1% YoY+9.2% QoQ	+$18.3M	$231.3M -0.0% YoY	$1.8B +11.8% YoY	$547.7M +7.8% YoY	64%
Loans	$161.1M +8.4% YoY+3.6% QoQ	+$13.3M	$147.8M -1.4% YoY	$1.5B +8.8% YoY	$388.7M +8.6% YoY	64%
Deposits	$212.6M +9.0% YoY+7.8% QoQ	+$12.3M	$200.3M -0.0% YoY	$1.6B +14.4% YoY	$464.6M +9.3% YoY	62%

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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	0.3% +79.6% YoY+26.4% QoQ	-0.5%	0.8% +15.5% YoY	0.6% +34.6% YoY	0.7% +273.4% YoY	20%
NIM	4.3% -1.9% YoY-3.3% QoQ	+0.7%	3.6% +6.9% YoY	4.2% +5.6% YoY	3.7% +5.0% YoY	85%
Efficiency Ratio	91.6% -1.8% YoY-1.9% QoQ	+14.3%	77.3% -3.0% YoY	78.1% -3.3% YoY	79.1% -3.3% YoY	Top 8.0% in tier
Delinquency Rate	0.3% -0.6% YoY+16.2% QoQ	-0.5	0.9% +7.6% YoY	0.8% -14.6% YoY	1.2% -0.9% YoY	21%
Loan To Share	75.8% -0.5% YoY-3.9% QoQ	+3.1%	72.7% -1.5% YoY	77.0% -0.7% YoY	68.0% -1.7% YoY	53%
AMR	$26,142 +4.3% YoY+4.4% QoQ	+$2K	$24,363 +2.9% YoY	$25,886 +3.8% YoY	$19,418 +1.3% YoY	70%
CD Concentration	25.6% +19.6% YoY-3.8% QoQ	+1.2%	24.4% +4.2% YoY	21.9% +3.2% YoY	19.6% +6.2% YoY	50%
Indirect Auto %	3.6% +171.0% YoY+337.0% QoQ	-10.4%	14.0% -5.7% YoY	15.6% -2.3% YoY	7.9% -2.9% YoY	50%

Signature Analysis

Strengths (3)

Organic Growth Leader

growth

#113 of 430 • Top 8.5% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 4.27%

(Tier: 0.88%, National: 9.37%)

better than tier avg

Indirect Auto %: 3.60%

(Tier: 13.97%, National: 7.90%)

better than tier avg

430 of 1077 Community CUs have this signature | 608 nationally

↓ Shrinking -21 CUs YoY | Rank improving

Organic Growth Engine

growth

#386 of 603 • Top 21.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 4.27%

(Tier: 0.88%, National: 9.37%)

better than tier avg

Return on Assets: 0.33%

(Tier: 0.77%, National: 0.71%)

but worse than tier avg

Indirect Auto %: 3.60%

(Tier: 13.97%, National: 7.90%)

better than tier avg

603 of 1077 Community CUs have this signature | 917 nationally

→ Stable (608→603 CUs) -5 CUs YoY | Rank improving

Credit Quality Leader

growth

#277 of 340 • Top 81.4% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why This Signature

Delinquency Rate: 0.33%

(Tier: 0.85%, National: 1.23%)

better than tier avg

Delinquency Change (YoY): -0.00% points

(Tier: 0.04% points, National: 0.07% 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 (1)

Efficiency Drag

risk

#159 of 521 • Bottom 9.0% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 91.56%

(Tier: 77.15%, National: 79.10%)

worse than tier avg

ROA Change (YoY): 0.15% points

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

but better than tier avg

Member Growth (YoY): 4.27%

(Tier: 0.88%, National: 9.37%)

but better than tier avg

521 of 1077 Community CUs have this signature | 624 nationally

↓ Shrinking -113 CUs YoY | Rank improving

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)

Asset Growth Rate

growth

Value: 11.06%

Peer Avg: -

#91 of 1077 Top 8.4% in 100M-500M tier

131

Member Growth Rate

growth

Value: 4.27%

Peer Avg: -

#131 of 1077 Top 12.1% in 100M-500M tier

166

Net Interest Margin (NIM)

profitability

Value: 4.26%

Peer Avg: -

#166 of 1077 Top 15.3% in 100M-500M tier

166

Deposit Growth Rate

growth

Value: 8.98%

Peer Avg: -

#166 of 1077 Top 15.3% in 100M-500M tier

225

Total Delinquency Rate (60+ days)

risk

Value: 0.33%

Peer Avg: -

#225 of 1077 Top 20.8% in 100M-500M tier

227

Loan Growth Rate

growth

Value: 8.38%

Peer Avg: -

#227 of 1077 Top 21.0% in 100M-500M tier

234

Net Charge-Off Rate

risk

Value: 0.15%

Peer Avg: -

#234 of 1077 Top 21.6% in 100M-500M tier

Top Weaknesses (3 metrics)

1069

Members Per Employee (MPE)

engagement

Value: 168.176

Peer Avg: -

#1069 of 1077 Bottom 0.8% in 100M-500M tier

992

Efficiency Ratio

profitability

Value: 91.56%

Peer Avg: -

#992 of 1077 Bottom 8.0% in 100M-500M tier

861

Return on Assets (ROA)

profitability

Value: 0.33%

Peer Avg: -

#861 of 1077 Bottom 20.1% in 100M-500M tier