BlastPoint's Credit Union Scorecard

U. T.

Charter #19448 · TN

Community 500M-750M

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

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U. T. has 7 strengths but faces 10 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 17.2% in tier
+ Credit Quality Leader: Top 31.6% in tier
+ Wallet Share Momentum: Top 36.0% in tier
+ Total Delinquency Rate (60+ days): Top 4.1% in tier
+ Loan-to-Member Ratio (LMR): Top 6.5% in tier
+ Loan-to-Share Ratio: Top 8.9% in tier
+ Average Member Relationship (AMR): Top 9.5% in tier

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 6.3% in tier
- Indirect Auto Dependency: Bottom 9.3% in tier
- Efficiency Drag: Bottom 18.2% in tier
- Credit Risk Growth: Bottom 19.8% in tier
- Stagnation Risk: Bottom 20.1% in tier
- Credit Quality Pressure: Bottom 23.3% in tier
- Membership Headwinds: Bottom 27.0% in tier
- ROA 0.13% below tier average
- Efficiency ratio 2.06% above tier (higher cost structure)
- Total Members: Bottom 8.9% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (TN)	National Avg	Tier Percentile
Members	25,779 -1.2% YoY+0.1% QoQ	-14.0K	39,752 -2.7% YoY	21,139 +4.9% YoY	33,089 +6.1% YoY	Bottom 8.3% in tier
Assets	$551.8M +5.7% YoY+3.2% QoQ	$-70.6M	$622.4M +0.3% YoY	$362.5M +9.5% YoY	$547.7M +7.8% YoY	22%
Loans	$467.4M +7.6% YoY+3.7% QoQ	+$31.5M	$435.9M -0.4% YoY	$271.1M +9.1% YoY	$388.7M +8.6% YoY	64%
Deposits	$471.4M +7.2% YoY+3.9% QoQ	$-66.6M	$538.0M +1.3% YoY	$303.0M +8.7% YoY	$464.6M +9.3% YoY	18%

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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% +20.2% YoY+0.4% QoQ	-0.1%	0.7% +33.9% YoY	0.8% +4.1% YoY	0.7% +273.4% YoY	43%
NIM	3.4% +14.1% YoY+2.9% QoQ	-0.1%	3.4% +8.6% YoY	3.8% +5.1% YoY	3.7% +5.0% YoY	43%
Efficiency Ratio	80.2% +2.6% YoY-0.5% QoQ	+2.1%	78.1% -3.4% YoY	75.4% -1.8% YoY	79.1% -3.3% YoY	59%
Delinquency Rate	0.2% +49.3% YoY+70.0% QoQ	-0.6	0.8% -4.9% YoY	1.1% +8.5% YoY	1.2% -0.9% YoY	Bottom 4.1% in tier
Loan To Share	99.2% +0.4% YoY-0.2% QoQ	+18.1%	81.0% -1.8% YoY	70.4% -2.4% YoY	68.0% -1.7% YoY	Top 9.5% in tier
AMR	$36,418 +8.7% YoY+3.6% QoQ	+$10K	$26,482 +2.6% YoY	$18,470 +2.4% YoY	$19,418 +1.3% YoY	Top 10.1% in tier
CD Concentration	32.0% +1.2% YoY-3.3% QoQ	+7.6%	24.4% +4.2% YoY	22.3% +6.6% YoY	19.6% +6.2% YoY	77%
Indirect Auto %	27.6% -8.7% YoY-2.0% QoQ	+13.6%	14.0% -5.7% YoY	6.9% +1.1% YoY	7.9% -2.9% YoY	80%

Signature Analysis

Strengths (3)

Relationship Depth Leader

growth

#45 of 257 • Top 17.2% 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): 8.66%

(Tier: 3.68%, National: 4.19%)

better than tier avg

Share Draft per Member: $4.5K

(Tier: $2.8K, National: $2.0K)

better than tier avg

257 of 281 Community CUs have this signature | 341 nationally

↑ Growing +59 CUs YoY | Rank worsening

Credit Quality Leader

growth

#108 of 340 • Top 31.6% in tier

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

Why This Signature

Delinquency Rate: 0.17%

(Tier: 0.85%, National: 1.23%)

better than tier avg

Delinquency Change (YoY): 0.06% points

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

but worse than tier avg

457 nationally

→ Stable (341→340 CUs) -1 CUs YoY | Rank worsening

Wallet Share Momentum

growth

#174 of 481 • Top 36.0% in tier

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

Why This Signature

AMR Growth (YoY): 8.66%

(Tier: 3.68%, National: 4.19%)

better than tier avg

620 nationally

↑ Growing +201 CUs YoY | Rank worsening

Concerns (7)

Liquidity Strain

risk

#50 of 258 • Bottom 6.3% in tier

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

Why This Signature

Loan-to-Share Ratio: 99.16%

(Tier: 74.56%, National: 67.96%)

but better than tier avg

Loan Growth (YoY): 7.58%

(Tier: 3.65%, National: 36.38%)

but better than tier avg

258 of 281 Community CUs have this signature | 484 nationally

↓ Shrinking -28 CUs YoY | Rank improving

Indirect Auto Dependency

risk

#151 of 525 • Bottom 9.3% in tier

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

Why This Signature

Asset Growth (YoY): 5.72%

(Tier: 4.61%, National: 3.04%)

but better than tier avg

Indirect Auto %: 27.58%

(Tier: 13.97%, National: 7.90%)

worse than tier avg

Member Growth (YoY): -1.17%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

768 nationally

↓ Shrinking -18 CUs YoY | Rank improving

Efficiency Drag

risk

#322 of 521 • Bottom 18.2% in tier

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

Why This Signature

Efficiency Ratio: 80.16%

(Tier: 77.15%, National: 79.10%)

worse than tier avg

ROA Change (YoY): 0.09% points

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

worse than tier avg

Member Growth (YoY): -1.17%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

624 nationally

↓ Shrinking -113 CUs YoY | New qualifier

Credit Risk Growth

risk

#298 of 446 • Bottom 19.8% in tier

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

Why This Signature

Loan Growth (YoY): 7.58%

(Tier: 3.65%, National: 36.38%)

but better than tier avg

Delinquency Change (YoY): 0.06% points

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

worse than tier avg

646 nationally

↓ Shrinking -77 CUs YoY | New qualifier

Stagnation Risk

risk

#332 of 550 • Bottom 20.1% in tier

Membership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -1.17%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

Loan Growth (YoY): 7.58%

(Tier: 3.65%, National: 36.38%)

but better than tier avg

Delinquency Rate: 0.17%

(Tier: 0.85%, National: 1.23%)

but better than tier avg

648 nationally

→ Stable (555→550 CUs) -5 CUs YoY | New qualifier

Credit Quality Pressure

risk

#577 of 736 • Bottom 23.3% 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: 0.04% points, National: 0.07% points)

worse than tier avg

1002 nationally

↓ Shrinking -199 CUs YoY | New qualifier

Membership Headwinds

decline

#446 of 550 • Bottom 27.0% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -1.17%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

648 nationally

→ Stable (555→550 CUs) -5 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 169 peers in tier

Top Strengths (5 metrics)

Total Delinquency Rate (60+ days)

risk

Value: 0.17%

Peer Avg: -

#8 of 169 Top 4.1% in 500M-750M tier

Loan-to-Member Ratio (LMR)

engagement

Value: $18,132

Peer Avg: -

#12 of 169 Top 6.5% in 500M-750M tier

Loan-to-Share Ratio

balance_sheet

Value: 99.16%

Peer Avg: -

#16 of 169 Top 8.9% in 500M-750M tier

Average Member Relationship (AMR)

engagement

Value: $36,418

Peer Avg: -

#17 of 169 Top 9.5% in 500M-750M tier

AMR Growth Rate

growth

Value: 8.66%

Peer Avg: -

#20 of 169 Top 11.2% in 500M-750M tier

Top Weaknesses (5 metrics)

155

Total Members

engagement

Value: 25,779

Peer Avg: -

#155 of 169 Bottom 8.9% in 500M-750M tier

144

Members Per Employee (MPE)

engagement

Value: 247.875

Peer Avg: -

#144 of 169 Bottom 15.4% in 500M-750M tier

139

Total Deposits

balance_sheet

Value: $471.38M

Peer Avg: -

#139 of 169 Bottom 18.3% in 500M-750M tier

131

Total Assets

balance_sheet

Value: $551.77M

Peer Avg: -

#131 of 169 Bottom 23.1% in 500M-750M tier

130

Indirect Auto Concentration (%)

balance_sheet

Value: 27.58%

Peer Avg: -

#130 of 169 Bottom 23.7% in 500M-750M tier