BlastPoint's Credit Union Scorecard

U. T.

Charter #19448 · TN

Community 500M-750M

165 CUs in 500M-750M nationally 4 in TN

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U. T. has 5 strengths but faces 8 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 19.1% in tier
+ Wallet Share Momentum: Top 38.1% in tier
+ Total Delinquency Rate (60+ days): Top 4.2% in tier
+ Loan-to-Member Ratio (LMR): Top 6.7% in tier
+ Average Member Relationship (AMR): Top 9.7% in tier

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 19.2% in tier
- Indirect Auto Dependency: Bottom 24.4% in tier
- Liquidity Strain: Bottom 40.5% in tier
- Credit Risk Growth: Bottom 80.7% in tier
- Credit Quality Pressure: Bottom 95.6% in tier
- ROA 0.16% below tier average
- Efficiency ratio 4.08% above tier (higher cost structure)
- Total Members: Bottom 9.7% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (TN)	National Avg	Tier Percentile
Members	25,742 -0.0% YoY-0.1% QoQ	-12.8K	38,575 -4.8% YoY	21,265 +4.5% YoY	33,374 +5.7% YoY	Bottom 9.1% in tier
Assets	$561.6M +8.4% YoY+1.8% QoQ	$-60.1M	$621.7M +0.1% YoY	$372.5M +10.3% YoY	$561.6M +9.7% YoY	27%
Loans	$459.9M +7.3% YoY-1.6% QoQ	+$30.1M	$429.8M -1.8% YoY	$275.7M +8.6% YoY	$397.0M +8.8% YoY	62%
Deposits	$482.1M +10.3% YoY+2.3% QoQ	$-56.6M	$538.7M +0.6% YoY	$312.1M +9.5% YoY	$477.3M +9.7% YoY	22%

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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	0.5% +5.7% YoY-5.0% QoQ	-0.2%	0.7% +42.9% YoY	0.7% -5.8% YoY	0.7% +15.9% YoY	42%
NIM	3.4% +12.5% YoY-0.0% QoQ	-0.1%	3.4% +8.0% YoY	3.8% +3.7% YoY	3.8% +5.1% YoY	38%
Efficiency Ratio	81.6% +4.2% YoY+1.8% QoQ	+4.1%	77.5% -4.1% YoY	79.4% +2.9% YoY	79.7% -3.3% YoY	68%
Delinquency Rate	0.2% +9.8% YoY+5.0% QoQ	-0.7	0.8% -1.1% YoY	1.1% -12.6% YoY	1.3% -2.1% YoY	Bottom 4.2% in tier
Loan To Share	95.4% -2.7% YoY-3.8% QoQ	+15.6%	79.8% -2.3% YoY	70.0% -2.2% YoY	67.4% -1.7% YoY	Top 11.5% in tier
AMR	$36,591 +8.8% YoY+0.5% QoQ	+$10K	$26,849 +2.7% YoY	$18,770 +3.9% YoY	$19,687 +2.0% YoY	Top 10.3% in tier
CD Concentration	32.1% +0.1% YoY+0.3% QoQ	+7.7%	24.4%	22.4%	19.8%	77%
Indirect Auto %	27.7% -5.4% YoY+0.3% QoQ	+13.9%	13.8%	6.7%	7.8%	81%

Signature Analysis

Strengths (2)

Relationship Depth Leader

growth

#52 of 268 • Top 19.1% 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): 8.81%

(Tier: 4.17%, National: 4.00%)

better than tier avg

Share Draft per Member: $4.5K

(Tier: $2.9K, National: $2.0K)

better than tier avg

268 of 282 Community CUs have this signature | 351 nationally

↑ Growing +46 CUs YoY

Wallet Share Momentum

growth

#196 of 513 • Top 38.1% in tier

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

Why This Signature

AMR Growth (YoY): 8.81%

(Tier: 4.17%, National: 4.00%)

better than tier avg

662 nationally

↑ Growing +180 CUs YoY | Rank worsening

Concerns (5)

Efficiency Drag

risk

#104 of 538 • Bottom 19.2% in tier

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

Why This Signature

Efficiency Ratio: 81.59%

(Tier: 76.88%, National: 79.67%)

worse than tier avg

ROA Change (YoY): 0.03% points

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

worse than tier avg

Member Growth (YoY): -0.00%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

633 nationally

↓ Shrinking -98 CUs YoY | New qualifier

Indirect Auto Dependency

risk

#124 of 506 • Bottom 24.4% in tier

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

Why This Signature

Asset Growth (YoY): 8.39%

(Tier: 5.37%, National: 3.54%)

but better than tier avg

Indirect Auto %: 27.65%

(Tier: 13.79%, National: 7.78%)

worse than tier avg

Member Growth (YoY): -0.00%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

745 nationally

↓ Shrinking -35 CUs YoY | Rank improving

Liquidity Strain

risk

#93 of 228 • Bottom 40.5% in tier

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

Why This Signature

Loan-to-Share Ratio: 95.40%

(Tier: 74.08%, National: 67.44%)

but better than tier avg

Loan Growth (YoY): 7.29%

(Tier: 4.11%, National: 111.96%)

but better than tier avg

228 of 282 Community CUs have this signature | 439 nationally

↓ Shrinking -37 CUs YoY | Rank worsening

Credit Risk Growth

risk

#368 of 456 • Bottom 80.7% in tier

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

Why This Signature

Loan Growth (YoY): 7.29%

(Tier: 4.11%, National: 111.96%)

but better than tier avg

Delinquency Change (YoY): 0.02% points

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

but better than tier avg

665 nationally

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

Credit Quality Pressure

risk

#674 of 705 • Bottom 95.6% in tier

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

Why This Signature

Delinquency Change (YoY): 0.02% points

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

but better than tier avg

969 nationally

↓ Shrinking -150 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 165 peers in tier

Top Strengths (8 metrics)

Total Delinquency Rate (60+ days)

risk

Value: 0.18%

Peer Median: -

#8 of 165 Top 4.2% in 500M-750M tier

Loan-to-Member Ratio (LMR)

engagement

Value: $17,865

Peer Median: -

#12 of 165 Top 6.7% in 500M-750M tier

Average Member Relationship (AMR)

engagement

Value: $36,591

Peer Median: -

#17 of 165 Top 9.7% in 500M-750M tier

Loan-to-Share Ratio

balance_sheet

Value: 95.40%

Peer Median: -

#19 of 165 Top 10.9% in 500M-750M tier

Deposit Growth Rate

growth

Value: 10.28%

Peer Median: -

#20 of 165 Top 11.5% in 500M-750M tier

AMR Growth Rate

growth

Value: 8.81%

Peer Median: -

#22 of 165 Top 12.7% in 500M-750M tier

Asset Growth Rate

growth

Value: 8.39%

Peer Median: -

#36 of 165 Top 21.2% in 500M-750M tier

Net Charge-Off Rate

risk

Value: 0.20%

Peer Median: -

#42 of 165 Top 24.8% in 500M-750M tier

Top Weaknesses (5 metrics)

150

Total Members

engagement

Value: 25,742

Peer Median: -

#150 of 165 Bottom 9.7% in 500M-750M tier

139

Members Per Employee (MPE)

engagement

Value: 249.922

Peer Median: -

#139 of 165 Bottom 16.4% in 500M-750M tier

132

Indirect Auto Concentration (%)

balance_sheet

Value: 27.65%

Peer Median: -

#132 of 165 Bottom 20.6% in 500M-750M tier

128

Total Deposits

balance_sheet

Value: $482.06M

Peer Median: -

#128 of 165 Bottom 23.0% in 500M-750M tier

125

Fee Income Per Member

profitability

Value: $147.84

Peer Median: -

#125 of 165 Bottom 24.8% in 500M-750M tier