BlastPoint's Credit Union Scorecard
ALCOA MUNICIPAL EMPLOYEES
Charter #20513 · TN
<100M
2508 CUs in <100M nationally
86 in TN
ALCOA MUNICIPAL EMPLOYEES has 5 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 2.11% above tier average
- + Net Interest Margin 0.96% above tier average
- + Loan Growth Rate: Top 6.0% in tier
- + Efficiency Ratio: Top 7.6% in tier
- + Loan-to-Share Ratio: Top 9.3% in tier
Key Concerns
Areas that may need attention
- - Member decline: -4.7% YoY
- - Deposit Growth Rate: Bottom 7.5% in tier
- - Fee Income Per Member: Bottom 9.9% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
866
-4.7% YoY+1.6% QoQ
|
-1.8K |
2,676
+1.6% YoY
|
21,412
+3.7% YoY
|
33,913
+5.7% YoY
|
25% |
| Assets |
$4.4M
-5.8% YoY-0.7% QoQ
|
$-25.7M |
$30.2M
+1.3% YoY
|
$379.6M
+8.7% YoY
|
$578.3M
+9.0% YoY
|
17% |
| Loans |
$3.2M
+14.3% YoY+6.5% QoQ
|
$-12.1M |
$15.3M
-2.0% YoY
|
$279.0M
+7.7% YoY
|
$402.4M
+8.7% YoY
|
25% |
| Deposits |
$3.6M
-9.3% YoY-1.5% QoQ
|
$-22.2M |
$25.8M
+0.7% YoY
|
$319.1M
+8.0% YoY
|
$494.3M
+9.1% YoY
|
18% |
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| ROA |
2.3%
+106.7% YoY+24.7% QoQ
|
+2.1% |
0.1%
-77.6% YoY
|
0.6%
-5.0% YoY
|
0.4%
-39.2% YoY
|
Top 4.2% in tier |
| NIM |
5.0%
-13.4% YoY-3.0% QoQ
|
+1.0% |
4.0%
+4.0% YoY
|
3.9%
+5.1% YoY
|
3.8%
+4.1% YoY
|
Top 12.2% in tier |
| Efficiency Ratio |
54.9%
+1.9% YoY-3.0% QoQ
|
-35.8% |
90.6%
+6.5% YoY
|
79.6%
+1.7% YoY
|
84.6%
+2.8% YoY
|
Top 7.6% in tier |
| Delinquency Rate |
1.1%
+146.4% YoY+479.1% QoQ
|
-0.4 |
1.5%
+3.8% YoY
|
0.9%
-14.5% YoY
|
1.2%
+3.4% YoY
|
66% |
| Loan To Share |
88.5%
+26.1% YoY+8.1% QoQ
|
+30.0% |
58.5%
-3.0% YoY
|
68.3%
-1.5% YoY
|
65.6%
-1.4% YoY
|
Top 9.4% in tier |
| AMR |
$7,808
+5.4% YoY+0.4% QoQ
|
$-7K |
$14,884
-1.7% YoY
|
$18,957
+3.0% YoY
|
$19,920
+1.6% YoY
|
18% |
| CD Concentration | 0.0% | -24.3% | 24.3% | 22.3% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 6.8% | 7.7% | 50% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
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)
Top Strengths (10 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 0.00%
#1 of 2508
Top 0.1% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 3.66%
#1 of 2508
Top 0.1% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 12.45%
#1 of 2508
Top 0.1% in <100M tier
106
Return on Assets (ROA)
profitability
Value:
2.26%
Peer Median: 0.61%
#106 of 2508
Top 4.2% in <100M tier
152
Loan Growth Rate
growth
Value:
14.30%
Peer Median: -2.36%
#152 of 2508
Top 6.0% in <100M tier
191
Efficiency Ratio
profitability
Value:
54.86%
Peer Median: 81.45%
#191 of 2508
Top 7.6% in <100M tier
234
Loan-to-Share Ratio
balance_sheet
Value:
88.47%
Peer Median: 58.72%
#234 of 2508
Top 9.3% in <100M tier
307
Net Interest Margin (NIM)
profitability
Value:
4.97%
Peer Median: 3.83%
#307 of 2508
Top 12.2% in <100M tier
587
Members Per Employee (MPE)
engagement
Value:
433.000
Peer Median: 333.750
#587 of 2508
Top 23.4% in <100M tier
601
AMR Growth Rate
growth
Value:
5.39%
Peer Median: 1.27%
#601 of 2508
Top 23.9% in <100M tier
Top Weaknesses (9 metrics)
2320
Deposit Growth Rate
growth
Value:
-9.34%
Peer Median: 0.66%
#2320 of 2508
Bottom 7.5% in <100M tier
2260
Fee Income Per Member
profitability
Value:
$1.76
Peer Median: $60.42
#2260 of 2508
Bottom 9.9% in <100M tier
2218
Asset Growth Rate
growth
Value:
-5.80%
Peer Median: 1.30%
#2218 of 2508
Bottom 11.6% in <100M tier
2079
Total Assets
balance_sheet
Value:
$4.45M
Peer Median: $21.86M
#2079 of 2508
Bottom 17.1% in <100M tier
2068
Total Deposits
balance_sheet
Value:
$3.59M
Peer Median: $18.77M
#2068 of 2508
Bottom 17.6% in <100M tier
2055
Average Member Relationship (AMR)
engagement
Value:
$7,808
Peer Median: $13,926
#2055 of 2508
Bottom 18.1% in <100M tier
2053
Member Growth Rate
growth
Value:
-4.73%
Peer Median: -1.37%
#2053 of 2508
Bottom 18.2% in <100M tier
2017
Net Charge-Off Rate
risk
Value:
0.72%
Peer Median: 0.07%
#2017 of 2508
Bottom 19.6% in <100M tier
1885
Total Members
engagement
Value:
866
Peer Median: 1,918
#1885 of 2508
Bottom 24.9% in <100M tier