BlastPoint's Credit Union Scorecard

APPALACHIAN COMMUNITY

Charter #24495 · TN

100M-500M

1070 CUs in 100M-500M nationally 25 in TN

APPALACHIAN COMMUNITY has 4 strengths but faces 7 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 Leader: Top 50.0% in tier
+ Organic Growth Engine: Top 50.0% in tier
+ Total Delinquency Rate (60+ days): Top 4.8% in tier
+ Loan-to-Share Ratio: Top 8.4% in tier

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 50.0% in tier
- Liquidity Strain: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- ROA 0.17% below tier average
- Efficiency ratio 8.72% above tier (higher cost structure)
- Share Certificate Concentration (%): Bottom 5.5% in tier
- First Mortgage Concentration (%): Bottom 8.3% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (TN)	National Avg	Tier Percentile
Members	12,381 +0.8% YoY+0.2% QoQ	-2.8K	15,145 -2.5% YoY	21,412 +3.7% YoY	33,913 +5.7% YoY	46%
Assets	$183.7M +6.1% YoY+1.4% QoQ	$-48.1M	$231.7M +0.8% YoY	$379.6M +8.7% YoY	$578.3M +9.0% YoY	45%
Loans	$149.5M -0.8% YoY-0.5% QoQ	+$5.4M	$144.1M +0.2% YoY	$279.0M +7.7% YoY	$402.4M +8.7% YoY	62%
Deposits	$162.7M +6.0% YoY+1.4% QoQ	$-38.4M	$201.1M +0.4% YoY	$319.1M +8.0% YoY	$494.3M +9.1% YoY	47%

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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	0.6% -28.5% YoY-37.9% QoQ	-0.2%	0.7% +5.1% YoY	0.6% -5.0% YoY	0.4% -39.2% YoY	39%
NIM	3.6% +3.1% YoY+0.6% QoQ	-0.1%	3.6% +4.6% YoY	3.9% +5.1% YoY	3.8% +4.1% YoY	47%
Efficiency Ratio	86.7% +3.5% YoY+9.8% QoQ	+8.7%	78.0% -1.7% YoY	79.6% +1.7% YoY	84.6% +2.8% YoY	77%
Delinquency Rate	0.1% +23.6% YoY-70.3% QoQ	-0.7	0.8% +7.1% YoY	0.9% -14.5% YoY	1.2% +3.4% YoY	Top 4.8% in tier
Loan To Share	91.9% -6.4% YoY-1.9% QoQ	+21.5%	70.4% -0.4% YoY	68.3% -1.5% YoY	65.6% -1.4% YoY	Top 8.5% in tier
AMR	$25,221 +1.8% YoY+0.3% QoQ	+$303	$24,918 +2.7% YoY	$18,957 +3.0% YoY	$19,920 +1.6% YoY	63%
CD Concentration	41.9% -2.3% YoY-3.3% QoQ	+17.6%	24.3%	22.3%	19.8%	50%
Indirect Auto %	5.1% -15.6% YoY-2.1% QoQ	-8.7%	13.8%	6.8%	7.7%	50%

Signature Analysis

Strengths (2)

Organic Growth Leader

growth

#336 of 371 • Top 50.0% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 0.83%

(Tier: 0.72%, National: 10.19%)

better than tier avg

Indirect Auto %: 5.08%

(Tier: 13.80%, National: 7.73%)

better than tier avg

371 of 1070 Mid-Small & Community CUs have this signature | 518 nationally

→ No prior data (371 CUs now) | New qualifier

Organic Growth Engine

growth

#340 of 352 • Top 50.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 0.83%

(Tier: 0.72%, National: 10.19%)

better than tier avg

Return on Assets: 0.55%

(Tier: 0.72%, National: 0.39%)

but worse than tier avg

Indirect Auto %: 5.08%

(Tier: 13.80%, National: 7.73%)

better than tier avg

352 of 1070 Mid-Small & Community CUs have this signature | 499 nationally

→ No prior data (352 CUs now) | New qualifier

Concerns (3)

Efficiency Drag

risk

#163 of 596 • Bottom 50.0% in tier

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

Why This Signature

Efficiency Ratio: 86.74%

(Tier: 77.94%, National: 84.64%)

worse than tier avg

ROA Change (YoY): -0.22% points

(Tier: 0.05% points, National: -0.45% points)

worse than tier avg

Member Growth (YoY): 0.83%

(Tier: 0.72%, National: 10.19%)

but better than tier avg

596 of 1070 Mid-Small & Community CUs have this signature | 702 nationally

↓ Shrinking -84 CUs YoY | Rank improving

Liquidity Strain

risk

#166 of 183 • 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: 91.90%

(Tier: 72.31%, National: 65.58%)

but better than tier avg

Loan Growth (YoY): -0.82%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

183 of 1070 Mid-Small & Community CUs have this signature | 367 nationally

→ Stable (182→183 CUs) +1 CUs YoY | Rank worsening

Credit Quality Pressure

risk

#678 of 727 • Bottom 50.0% 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: 0.12% points)

but better than tier avg

727 of 1070 Mid-Small & Community CUs have this signature | 1013 nationally

↓ Shrinking -60 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 1070 peers in tier

Top Strengths (4 metrics)

Total Delinquency Rate (60+ days)

risk

Value: 0.08%

Peer Median: 0.61%

#52 of 1070 Top 4.8% in 100M-500M tier

Loan-to-Share Ratio

balance_sheet

Value: 91.90%

Peer Median: 71.88%

#91 of 1070 Top 8.4% in 100M-500M tier

239

Fee Income Per Member

profitability

Value: $208.80

Peer Median: $154.95

#239 of 1070 Top 22.2% in 100M-500M tier

256

Loan-to-Member Ratio (LMR)

engagement

Value: $12,078

Peer Median: $9,356

#256 of 1070 Top 23.8% in 100M-500M tier

Top Weaknesses (4 metrics)

1012

Share Certificate Concentration (%)

balance_sheet

Value: 41.88%

Peer Median: 23.10%

#1012 of 1070 Bottom 5.5% in 100M-500M tier

982

First Mortgage Concentration (%)

balance_sheet

Value: 56.51%

Peer Median: 29.47%

#982 of 1070 Bottom 8.3% in 100M-500M tier

895

Members Per Employee (MPE)

engagement

Value: 242.765

Peer Median: 309.176

#895 of 1070 Bottom 16.4% in 100M-500M tier

825

Efficiency Ratio

profitability

Value: 86.74%

Peer Median: 78.68%

#825 of 1070 Bottom 23.0% in 100M-500M tier