BlastPoint's Credit Union Scorecard
U. T.
Charter #19448 · TN
U. T. has 5 strengths but faces 8 concerns
How does the industry compare?
What's your peer group doing?
How does TN stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Relationship Depth Leader: Top 31.3% in tier
- + Wallet Share Momentum: Top 31.3% in tier
- + Loan-to-Member Ratio (LMR): Top 6.1% in tier
- + Total Delinquency Rate (60+ days): Top 8.5% in tier
- + Average Member Relationship (AMR): Top 9.7% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 7.7% in tier
- - Efficiency Drag: Bottom 25.5% in tier
- - Credit Quality Pressure: Bottom 39.3% in tier
- - Credit Risk Growth: Bottom 53.5% in tier
- - Indirect Auto Dependency: Bottom 55.9% in tier
- - Membership Headwinds: Bottom 62.3% in tier
- - Stagnation Risk: Bottom 62.3% in tier
- - ROA 0.37% below tier average
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 165 credit unions with $500M-$750M in assets nationally, and 1 of 5 that size in Tennessee.
- Shares and deposits +7.2% year over year ($487M in shares and deposits).
- Membership: 25,540 members, -0.8% vs a year ago.
- Delinquency rate 0.19%.
- Return on assets 0.44%.
- Efficiency ratio 84.05% vs a 76.56% peer average.
- Loan-to-share ratio 95.16% vs a 79.33% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
25,540
-0.8% YoY-0.3% QoQ
|
-12.4K |
37,897
-5.0% YoY
|
22,058
+4.8% YoY
|
34,678
+6.6% YoY
|
Bottom 9.7% in tier |
| Assets |
$553.9M
+3.6% YoY-3.2% QoQ
|
$-68.5M |
$622.4M
+0.6% YoY
|
$390.3M
+9.5% YoY
|
$593.1M
+10.2% YoY
|
26% |
| Loans |
$463.0M
+2.7% YoY+2.0% QoQ
|
+$34.5M |
$428.5M
-0.7% YoY
|
$289.3M
+8.5% YoY
|
$418.6M
+10.1% YoY
|
62% |
| Deposits |
$486.5M
+7.2% YoY-1.7% QoQ
|
$-53.2M |
$539.8M
+0.9% YoY
|
$326.4M
+8.9% YoY
|
$504.8M
+10.3% YoY
|
24% |
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| ROA |
0.4%
-15.7% YoY+8.7% QoQ
|
-0.4% |
0.8%
+39.5% YoY
|
1.1%
+46.9% YoY
|
1.2%
+121.4% YoY
|
26% |
| NIM |
3.6%
+9.4% YoY+4.3% QoQ
|
+0.0% |
3.5%
+5.0% YoY
|
3.9%
+2.1% YoY
|
3.8%
+2.3% YoY
|
50% |
| Efficiency Ratio |
84.1%
+4.3% YoY+0.0% QoQ
|
+7.5% |
76.6%
-3.6% YoY
|
78.9%
+2.6% YoY
|
83.0%
-5.3% YoY
|
78% |
| Delinquency Rate |
0.2%
+88.6% YoY+28.6% QoQ
|
-0.6 |
0.8%
+3.1% YoY
|
1.1%
-1.7% YoY
|
1.3%
+2.6% YoY
|
Top 8.5% in tier |
| Loan To Share |
95.2%
-4.2% YoY+3.8% QoQ
|
+15.8% |
79.3%
-1.4% YoY
|
68.7%
-1.7% YoY
|
66.4%
-1.4% YoY
|
Top 12.1% in tier |
| AMR |
$37,177
+5.8% YoY+0.4% QoQ
|
+$10K |
$27,294
+4.1% YoY
|
$19,228
+3.5% YoY
|
$20,028
-0.9% YoY
|
Top 10.3% in tier |
| CD Concentration |
29.7%
-10.4% YoY-5.2% QoQ
|
+5.1% | 24.6% | 22.4% | 20.0% | 69% |
| Indirect Auto % |
25.9%
-7.8% YoY-4.4% QoQ
|
+12.3% | 13.6% | 6.8% | 7.7% | 80% |
Signature Analysis
Strengths (2)
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (7)
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
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)