BlastPoint's Credit Union Scorecard

TONGASS

Charter #15523 · AK

1069 CUs in 100M-500M nationally 5 in AK

TONGASS has 4 strengths but faces 6 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 26.8% in tier
+ Organic Growth Engine: Top 62.1% in tier
+ Net Interest Margin 0.58% above tier average
+ Asset Growth Rate: Top 7.5% in tier

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 33.2% in tier
- Credit Risk Growth: Bottom 69.2% in tier
- Credit Quality Pressure: Bottom 83.0% in tier
- ROA 0.39% below tier average
- Efficiency ratio 12.68% above tier (higher cost structure)
- Members Per Employee (MPE): Bottom 0.7% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (AK)	National Avg	Tier Percentile
Members	14,436 +4.2% YoY+1.0% QoQ	-1.0K	15,437 -2.9% YoY	113,831 +3.1% YoY	33,374 +5.7% YoY	56%
Assets	$250.9M +12.3% YoY+0.5% QoQ	+$19.0M	$231.9M +1.3% YoY	$1.8B +10.4% YoY	$561.6M +9.7% YoY	64%
Loans	$162.0M +7.6% YoY+0.5% QoQ	+$14.6M	$147.3M -0.1% YoY	$1.5B +8.8% YoY	$397.0M +8.8% YoY	65%
Deposits	$213.8M +10.3% YoY+0.6% QoQ	+$13.0M	$200.8M +0.8% YoY	$1.6B +11.8% YoY	$477.3M +9.7% YoY	62%

See Your Full Scorecard

Unlock complete metrics, rankings, and AI-powered insights — always free

Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	0.4% +61.2% YoY+12.3% QoQ	-0.4%	0.8% +18.2% YoY	0.6% +35.7% YoY	0.7% +15.9% YoY	22%
NIM	4.2% -3.7% YoY-1.7% QoQ	+0.6%	3.6% +6.7% YoY	4.2% +5.1% YoY	3.8% +5.1% YoY	81%
Efficiency Ratio	89.7% -2.3% YoY-2.0% QoQ	+12.7%	77.0% -3.1% YoY	78.5% -3.0% YoY	79.7% -3.3% YoY	Top 10.7% in tier
Delinquency Rate	0.6% +10.6% YoY+81.3% QoQ	-0.3	0.9% +4.2% YoY	0.9% -6.6% YoY	1.3% -2.1% YoY	42%
Loan To Share	75.8% -2.4% YoY-0.1% QoQ	+3.5%	72.2% -1.1% YoY	75.9% -0.1% YoY	67.4% -1.7% YoY	53%
AMR	$26,032 +4.7% YoY-0.4% QoQ	+$1K	$24,676 +3.4% YoY	$26,046 +3.3% YoY	$19,687 +2.0% YoY	67%
CD Concentration	24.9% +6.5% YoY-2.7% QoQ	+0.5%	24.4%	22.5%	19.8%	50%
Indirect Auto %	3.2% +149.8% YoY-10.9% QoQ	-10.6%	13.8%	15.8%	7.8%	50%

Signature Analysis

Strengths (2)

Organic Growth Leader

growth

#115 of 426 • Top 26.8% in tier

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

Why This Signature

Member Growth (YoY): 4.23%

(Tier: 0.69%, National: 4.32%)

better than tier avg

Indirect Auto %: 3.21%

(Tier: 13.79%, National: 7.78%)

better than tier avg

426 of 1069 Mid-Small & Community CUs have this signature | 609 nationally

→ No prior data (426 CUs now) | New qualifier

Organic Growth Engine

growth

#370 of 595 • Top 62.1% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 4.23%

(Tier: 0.69%, National: 4.32%)

better than tier avg

Return on Assets: 0.37%

(Tier: 0.75%, National: 0.67%)

but worse than tier avg

Indirect Auto %: 3.21%

(Tier: 13.79%, National: 7.78%)

better than tier avg

595 of 1069 Mid-Small & Community CUs have this signature | 913 nationally

→ No prior data (595 CUs now) | New qualifier

Concerns (3)

Efficiency Drag

risk

#179 of 538 • Bottom 33.2% in tier

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

Why This Signature

Efficiency Ratio: 89.69%

(Tier: 76.88%, National: 79.67%)

worse than tier avg

ROA Change (YoY): 0.14% points

(Tier: 0.11% points, National: 0.02% points)

but better than tier avg

Member Growth (YoY): 4.23%

(Tier: 0.69%, National: 4.32%)

but better than tier avg

538 of 1069 Mid-Small & Community CUs have this signature | 633 nationally

↓ Shrinking -98 CUs YoY | Rank improving

Credit Risk Growth

risk

#316 of 456 • Bottom 69.2% in tier

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

Why This Signature

Loan Growth (YoY): 7.64%

(Tier: 4.11%, National: 111.96%)

but better than tier avg

Delinquency Change (YoY): 0.06% points

(Tier: 0.03% points, National: 0.06% points)

worse than tier avg

456 of 1069 Mid-Small & Community CUs have this signature | 665 nationally

→ No prior data (456 CUs now) | New qualifier

Credit Quality Pressure

risk

#585 of 705 • Bottom 83.0% in tier

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

Why This Signature

Delinquency Change (YoY): 0.06% points

(Tier: 0.03% points, National: 0.06% points)

worse than tier avg

705 of 1069 Mid-Small & Community CUs have this signature | 969 nationally

↓ Shrinking -150 CUs YoY | New qualifier

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 1069 peers in tier

Top Strengths (5 metrics)

Asset Growth Rate

growth

Value: 12.26%

Peer Median: -

#81 of 1069 Top 7.5% in 100M-500M tier

124

Deposit Growth Rate

growth

Value: 10.29%

Peer Median: -

#124 of 1069 Top 11.5% in 100M-500M tier

136

Member Growth Rate

growth

Value: 4.23%

Peer Median: -

#136 of 1069 Top 12.6% in 100M-500M tier

202

Net Interest Margin (NIM)

profitability

Value: 4.19%

Peer Median: -

#202 of 1069 Top 18.8% in 100M-500M tier

210

Net Charge-Off Rate

risk

Value: 0.14%

Peer Median: -

#210 of 1069 Top 19.6% in 100M-500M tier

Top Weaknesses (3 metrics)

1063

Members Per Employee (MPE)

engagement

Value: 155.226

Peer Median: -

#1063 of 1069 Bottom 0.7% in 100M-500M tier

956

Efficiency Ratio

profitability

Value: 89.69%

Peer Median: -

#956 of 1069 Bottom 10.7% in 100M-500M tier

828

Return on Assets (ROA)

profitability

Value: 0.37%

Peer Median: -

#828 of 1069 Bottom 22.6% in 100M-500M tier