BlastPoint's Credit Union Scorecard

APPALACHIAN COMMUNITY

Charter #24495 · TN

100M-500M

1069 CUs in 100M-500M nationally 25 in TN

APPALACHIAN COMMUNITY has 5 strengths but faces 4 concerns

National Analysis

How does the industry compare?

TN Analysis

How does TN stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Organic Growth Engine: Top 50.0% in tier
+ Organic Growth Leader: Top 50.0% in tier
+ ROA 0.13% above tier average
+ Fee Income Per Member: Top 6.5% in tier
+ Loan-to-Share Ratio: Top 8.5% in tier

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 50.0% in tier
- Efficiency ratio 1.97% above tier (higher cost structure)
- Share Certificate Concentration (%): Bottom 4.4% in tier
- First Mortgage Concentration (%): Bottom 8.2% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (TN)	National Avg	Tier Percentile
Members	12,361 +0.6% YoY-0.2% QoQ	-3.1K	15,437 -2.9% YoY	21,265 +4.5% YoY	33,374 +5.7% YoY	44%
Assets	$181.1M +7.0% YoY+0.9% QoQ	$-50.8M	$231.9M +1.3% YoY	$372.5M +10.3% YoY	$561.6M +9.7% YoY	43%
Loans	$150.3M -0.3% YoY-1.5% QoQ	+$2.9M	$147.3M -0.1% YoY	$275.7M +8.6% YoY	$397.0M +8.8% YoY	60%
Deposits	$160.5M +6.8% YoY+0.9% QoQ	$-40.4M	$200.8M +0.8% YoY	$312.1M +9.5% YoY	$477.3M +9.7% YoY	46%

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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	0.9% +129.9% YoY+4.3% QoQ	+0.1%	0.8% +18.2% YoY	0.7% -5.8% YoY	0.7% +15.9% YoY	60%
NIM	3.5% +6.1% YoY-1.0% QoQ	-0.1%	3.6% +6.7% YoY	3.8% +3.7% YoY	3.8% +5.1% YoY	46%
Efficiency Ratio	79.0% -10.7% YoY-2.3% QoQ	+2.0%	77.0% -3.1% YoY	79.4% +2.9% YoY	79.7% -3.3% YoY	56%
Delinquency Rate	0.3% -54.7% YoY+71.1% QoQ	-0.6	0.9% +4.2% YoY	1.1% -12.6% YoY	1.3% -2.1% YoY	Top 12.9% in tier
Loan To Share	93.7% -6.6% YoY-2.3% QoQ	+21.4%	72.2% -1.1% YoY	70.0% -2.2% YoY	67.4% -1.7% YoY	Top 8.6% in tier
AMR	$25,139 +2.6% YoY-0.1% QoQ	+$463	$24,676 +3.4% YoY	$18,770 +3.9% YoY	$19,687 +2.0% YoY	64%
CD Concentration	43.3% -0.2% YoY+1.3% QoQ	+18.9%	24.4%	22.4%	19.8%	50%
Indirect Auto %	5.2% -16.0% YoY-3.0% QoQ	-8.6%	13.8%	6.7%	7.8%	50%

Signature Analysis

Strengths (2)

Organic Growth Engine

growth

#487 of 595 • Top 50.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 0.61%

(Tier: 0.69%, National: 4.32%)

but worse than tier avg

Return on Assets: 0.89%

(Tier: 0.75%, National: 0.67%)

better than tier avg

Indirect Auto %: 5.19%

(Tier: 13.79%, National: 7.78%)

better than tier avg

595 of 1069 Mid-Small & Community CUs have this signature | 913 nationally

→ No prior data (595 CUs now) | New qualifier

Organic Growth Leader

growth

#410 of 426 • Top 50.0% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 0.61%

(Tier: 0.69%, National: 4.32%)

but worse than tier avg

Indirect Auto %: 5.19%

(Tier: 13.79%, National: 7.78%)

better than tier avg

426 of 1069 Mid-Small & Community CUs have this signature | 609 nationally

→ No prior data (426 CUs now) | New qualifier

Concerns (1)

Liquidity Strain

risk

#183 of 228 • Bottom 50.0% in tier

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

Why This Signature

Loan-to-Share Ratio: 93.66%

(Tier: 74.08%, National: 67.44%)

but better than tier avg

Loan Growth (YoY): -0.30%

(Tier: 4.11%, National: 111.96%)

worse than tier avg

228 of 1069 Mid-Small & Community CUs have this signature | 439 nationally

↓ Shrinking -37 CUs YoY | Rank worsening

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 1069 peers in tier

Top Strengths (4 metrics)

Fee Income Per Member

profitability

Value: $287.84

Peer Median: -

#70 of 1069 Top 6.5% in 100M-500M tier

Loan-to-Share Ratio

balance_sheet

Value: 93.66%

Peer Median: -

#92 of 1069 Top 8.5% in 100M-500M tier

139

Total Delinquency Rate (60+ days)

risk

Value: 0.26%

Peer Median: -

#139 of 1069 Top 12.9% in 100M-500M tier

252

Loan-to-Member Ratio (LMR)

engagement

Value: $12,158

Peer Median: -

#252 of 1069 Top 23.5% in 100M-500M tier

Top Weaknesses (3 metrics)

1023

Share Certificate Concentration (%)

balance_sheet

Value: 43.30%

Peer Median: -

#1023 of 1069 Bottom 4.4% in 100M-500M tier

982

First Mortgage Concentration (%)

balance_sheet

Value: 56.19%

Peer Median: -

#982 of 1069 Bottom 8.2% in 100M-500M tier

895

Members Per Employee (MPE)

engagement

Value: 242.373

Peer Median: -

#895 of 1069 Bottom 16.4% in 100M-500M tier