BlastPoint's Credit Union Scorecard
ALCOA MUNICIPAL EMPLOYEES
Charter #20513 · TN
2596 CUs in <100M nationally
88 in TN
ALCOA MUNICIPAL EMPLOYEES has 10 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 4.26% above tier average
- + Net Interest Margin 2.50% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Efficiency Ratio: Top 0.3% in tier
- + AMR Growth Rate: Top 0.8% in tier
- + Loan Growth Rate: Top 2.7% in tier
- + Asset Growth Rate: Top 7.5% in tier
- + Net Charge-Off Rate: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - Member decline: -18.7% YoY
- - Member Growth Rate: Bottom 1.8% in tier
- - Fee Income Per Member: Bottom 8.6% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
856
-18.7% YoY-2.7% QoQ
|
-1.8K |
2,625
-2.2% YoY
|
21,139
+4.9% YoY
|
33,089
+6.1% YoY
|
24% |
| Assets |
$5.1M
+10.6% YoY+5.9% QoQ
|
$-24.8M |
$29.9M
+1.1% YoY
|
$362.5M
+9.5% YoY
|
$547.7M
+7.8% YoY
|
19% |
| Loans |
$3.1M
+21.1% YoY+3.5% QoQ
|
$-12.7M |
$15.8M
-2.4% YoY
|
$271.1M
+9.1% YoY
|
$388.7M
+8.6% YoY
|
24% |
| Deposits |
$4.2M
+9.0% YoY+5.3% QoQ
|
$-21.3M |
$25.5M
+0.4% YoY
|
$303.0M
+8.7% YoY
|
$464.6M
+9.3% YoY
|
20% |
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| ROA |
4.9%
+75.6% YoY+45.9% QoQ
|
+4.3% |
0.7%
-731.4% YoY
|
0.8%
+4.1% YoY
|
0.7%
+273.4% YoY
|
Top 0.8% in tier |
| NIM |
6.4%
+20.7% YoY+8.4% QoQ
|
+2.5% |
3.9%
+3.8% YoY
|
3.8%
+5.1% YoY
|
3.7%
+5.0% YoY
|
Top 2.7% in tier |
| Efficiency Ratio |
14.3%
-70.9% YoY-49.2% QoQ
|
-67.1% |
81.4%
-2.4% YoY
|
75.4%
-1.8% YoY
|
79.1%
-3.3% YoY
|
Bottom 0.3% in tier |
| Delinquency Rate |
0.8%
-24.5% QoQ
|
-0.8 |
1.5%
-2.0% YoY
|
1.1%
+8.5% YoY
|
1.2%
-0.9% YoY
|
54% |
| Loan To Share |
73.9%
+11.2% YoY-1.8% QoQ
|
+12.6% |
61.2%
-3.0% YoY
|
70.4%
-2.4% YoY
|
68.0%
-1.7% YoY
|
68% |
| AMR |
$8,516
+40.0% YoY+7.5% QoQ
|
$-6K |
$14,627
-2.7% YoY
|
$18,470
+2.4% YoY
|
$19,418
+1.3% YoY
|
22% |
| CD Concentration | 0.0% | -24.4% |
24.4%
+4.2% YoY
|
22.3%
+6.6% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
6.9%
+1.1% YoY
|
7.9%
-2.9% YoY
|
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 (12 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
10
Efficiency Ratio
profitability
Value:
14.26%
Peer Avg: -
#10 of 2596
Top 0.3% in <100M tier
20
Return on Assets (ROA)
profitability
Value:
4.94%
Peer Avg: -
#20 of 2596
Top 0.7% in <100M tier
23
AMR Growth Rate
growth
Value:
40.02%
Peer Avg: -
#23 of 2596
Top 0.8% in <100M tier
69
Net Interest Margin (NIM)
profitability
Value:
6.44%
Peer Avg: -
#69 of 2596
Top 2.6% in <100M tier
72
Loan Growth Rate
growth
Value:
21.13%
Peer Avg: -
#72 of 2596
Top 2.7% in <100M tier
195
Asset Growth Rate
growth
Value:
10.59%
Peer Avg: -
#195 of 2596
Top 7.5% in <100M tier
246
Net Charge-Off Rate
risk
Value:
0.00%
Peer Avg: -
#246 of 2596
Top 9.4% in <100M tier
Top Weaknesses (7 metrics)
2550
Member Growth Rate
growth
Value:
-18.71%
Peer Avg: -
#2550 of 2596
Bottom 1.8% in <100M tier
2374
Fee Income Per Member
profitability
Value:
$1.45
Peer Avg: -
#2374 of 2596
Bottom 8.6% in <100M tier
2093
Total Assets
balance_sheet
Value:
$5.05M
Peer Avg: -
#2093 of 2596
Bottom 19.4% in <100M tier
2072
Total Deposits
balance_sheet
Value:
$4.19M
Peer Avg: -
#2072 of 2596
Bottom 20.2% in <100M tier
2030
Average Member Relationship (AMR)
engagement
Value:
$8,516
Peer Avg: -
#2030 of 2596
Bottom 21.8% in <100M tier
1959
Total Members
engagement
Value:
856
Peer Avg: -
#1959 of 2596
Bottom 24.6% in <100M tier
1959
Total Loans
balance_sheet
Value:
$3.10M
Peer Avg: -
#1959 of 2596
Bottom 24.6% in <100M tier