BlastPoint's Credit Union Scorecard

U. T.

Charter #19448 · TN

Community 500M-750M

167 CUs in 500M-750M nationally 5 in TN

View Community leaderboard →

U. T. has 5 strengths but faces 7 concerns

National Analysis

How does the industry compare?

Community Tier

What's your peer group doing?

TN Analysis

How does TN stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Relationship Depth Leader: Top 16.7% in tier
+ Wallet Share Momentum: Top 16.7% in tier
+ Total Delinquency Rate (60+ days): Top 6.0% in tier
+ Loan-to-Member Ratio (LMR): Top 6.0% in tier
+ Average Member Relationship (AMR): Top 9.0% in tier

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 10.7% in tier
- Efficiency Drag: Bottom 30.2% in tier
- Indirect Auto Dependency: Bottom 33.4% in tier
- Credit Risk Growth: Bottom 33.8% in tier
- Credit Quality Pressure: Bottom 48.4% in tier
- ROA 0.28% below tier average
- Efficiency ratio 5.66% above tier (higher cost structure)

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (TN)	National Avg	Tier Percentile
Members	25,612 -0.1% YoY-0.5% QoQ	-12.5K	38,079 -4.8% YoY	21,412 +3.7% YoY	33,913 +5.7% YoY	Bottom 9.6% in tier
Assets	$572.1M +6.1% YoY+1.9% QoQ	$-47.6M	$619.7M -0.2% YoY	$379.6M +8.7% YoY	$578.3M +9.0% YoY	33%
Loans	$453.8M +6.2% YoY-1.3% QoQ	+$34.5M	$419.3M -1.4% YoY	$279.0M +7.7% YoY	$402.4M +8.7% YoY	65%
Deposits	$494.9M +9.0% YoY+2.7% QoQ	$-44.6M	$539.5M -0.1% YoY	$319.1M +8.0% YoY	$494.3M +9.1% YoY	28%

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% -11.5% YoY-18.7% QoQ	-0.3%	0.7% +36.0% YoY	0.6% -5.0% YoY	0.4% -39.2% YoY	31%
NIM	3.4% +6.0% YoY+1.9% QoQ	-0.1%	3.5% +4.5% YoY	3.9% +5.1% YoY	3.8% +4.1% YoY	44%
Efficiency Ratio	84.0% +4.1% YoY+3.0% QoQ	+5.7%	78.4% -3.7% YoY	79.6% +1.7% YoY	84.6% +2.8% YoY	72%
Delinquency Rate	0.1% +21.7% YoY-17.9% QoQ	-0.6	0.7% -0.9% YoY	0.9% -14.5% YoY	1.2% +3.4% YoY	Top 6.0% in tier
Loan To Share	91.7% -2.6% YoY-3.9% QoQ	+14.0%	77.7% -1.2% YoY	68.3% -1.5% YoY	65.6% -1.4% YoY	Top 13.8% in tier
AMR	$37,042 +7.7% YoY+1.2% QoQ	+$10K	$26,927 +3.1% YoY	$18,957 +3.0% YoY	$19,920 +1.6% YoY	Top 9.6% in tier
CD Concentration	31.3% -6.7% YoY-2.5% QoQ	+7.1%	24.3%	22.3%	19.8%	75%
Indirect Auto %	27.1% -5.5% YoY-1.9% QoQ	+13.3%	13.8%	6.8%	7.7%	80%

Signature Analysis

Strengths (2)

Relationship Depth Leader

growth

#61 of 257 • Top 16.7% in tier

Top-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.

Why This Signature

AMR Growth (YoY): 7.71%

(Tier: 3.74%, National: 6.36%)

better than tier avg

Share Draft per Member: $4.8K

(Tier: $3.0K, National: $2.1K)

better than tier avg

257 of 284 Community CUs have this signature | 342 nationally

↑ Growing +27 CUs YoY | Rank worsening

Wallet Share Momentum

growth

#223 of 491 • Top 16.7% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 7.71%

(Tier: 3.74%, National: 6.36%)

better than tier avg

637 nationally

↑ Growing +107 CUs YoY | Rank worsening

Concerns (5)

Efficiency Drag

risk

#83 of 596 • Bottom 30.2% in tier

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

Why This Signature

Efficiency Ratio: 84.05%

(Tier: 77.94%, National: 84.64%)

worse than tier avg

ROA Change (YoY): -0.05% points

(Tier: 0.05% points, National: -0.45% points)

worse than tier avg

Member Growth (YoY): -0.09%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

702 nationally

↓ Shrinking -84 CUs YoY | Rank improving

Indirect Auto Dependency

risk

#178 of 504 • Bottom 33.4% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): 6.05%

(Tier: 4.68%, National: 1663.40%)

but better than tier avg

Indirect Auto %: 27.12%

(Tier: 13.80%, National: 7.73%)

worse than tier avg

Member Growth (YoY): -0.09%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

745 nationally

↓ Shrinking -29 CUs YoY | Rank improving

Liquidity Strain

risk

#133 of 183 • Bottom 10.7% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature

Loan-to-Share Ratio: 91.70%

(Tier: 72.31%, National: 65.58%)

but better than tier avg

Loan Growth (YoY): 6.16%

(Tier: 4.14%, National: 1.74%)

but better than tier avg

183 of 284 Community CUs have this signature | 367 nationally

→ Stable (182→183 CUs) +1 CUs YoY | Rank worsening

Credit Risk Growth

risk

#375 of 476 • Bottom 33.8% in tier

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

Why This Signature

Loan Growth (YoY): 6.16%

(Tier: 4.14%, National: 1.74%)

but better than tier avg

Delinquency Change (YoY): 0.03% points

(Tier: 0.03% points, National: 0.12% points)

but better than tier avg

710 nationally

→ No prior data (476 CUs now) | New qualifier

Credit Quality Pressure

risk

#645 of 727 • Bottom 48.4% in tier

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

Why This Signature

Delinquency Change (YoY): 0.03% points

(Tier: 0.03% points, National: 0.12% points)

but better than tier avg

1013 nationally

↓ Shrinking -60 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 167 peers in tier

Top Strengths (6 metrics)

Total Delinquency Rate (60+ days)

risk

Value: 0.15%

Peer Median: 0.62%

#11 of 167 Top 6.0% in 500M-750M tier

Loan-to-Member Ratio (LMR)

engagement

Value: $17,720

Peer Median: $11,231

#11 of 167 Top 6.0% in 500M-750M tier

Average Member Relationship (AMR)

engagement

Value: $37,042

Peer Median: $25,600

#16 of 167 Top 9.0% in 500M-750M tier

Loan-to-Share Ratio

balance_sheet

Value: 91.70%

Peer Median: 79.97%

#23 of 167 Top 13.2% in 500M-750M tier

Deposit Growth Rate

growth

Value: 8.98%

Peer Median: 4.02%

#30 of 167 Top 17.4% in 500M-750M tier

AMR Growth Rate

growth

Value: 7.71%

Peer Median: 4.03%

#30 of 167 Top 17.4% in 500M-750M tier

Top Weaknesses (4 metrics)

151

Total Members

engagement

Value: 25,612

Peer Median: 36,874

#151 of 167 Bottom 10.2% in 500M-750M tier

143

Members Per Employee (MPE)

engagement

Value: 248.660

Peer Median: 318.730

#143 of 167 Bottom 15.0% in 500M-750M tier

132

Indirect Auto Concentration (%)

balance_sheet

Value: 27.12%

Peer Median: 10.91%

#132 of 167 Bottom 21.6% in 500M-750M tier

129

Net Worth Ratio

risk

Value: 9.26%

Peer Median: 10.35%

#129 of 167 Bottom 23.4% in 500M-750M tier