BlastPoint's Credit Union Scorecard

APPALACHIAN COMMUNITY

Charter #24495 · TN

1077 CUs in 100M-500M nationally 25 in TN

APPALACHIAN COMMUNITY has 6 strengths but faces 5 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 27.9% in tier
+ Credit Quality Leader: Top 28.3% in tier
+ Organic Growth Leader: Top 31.7% in tier
+ ROA 0.07% above tier average
+ Loan-to-Share Ratio: Top 6.6% in tier
+ Total Delinquency Rate (60+ days): Top 8.0% in tier

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 19.2% in tier
- Efficiency Drag: Bottom 23.8% in tier
- Efficiency ratio 3.54% above tier (higher cost structure)
- Share Certificate Concentration (%): Bottom 4.5% in tier
- First Mortgage Concentration (%): Bottom 8.4% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (TN)	National Avg	Tier Percentile
Members	12,383 +0.6% YoY-0.2% QoQ	-3.2K	15,628 -3.4% YoY	21,139 +4.9% YoY	33,089 +6.1% YoY	44%
Assets	$179.5M +6.2% YoY+3.8% QoQ	$-51.8M	$231.3M -0.0% YoY	$362.5M +9.5% YoY	$547.7M +7.8% YoY	43%
Loans	$152.6M +2.0% YoY-0.1% QoQ	+$4.8M	$147.8M -1.4% YoY	$271.1M +9.1% YoY	$388.7M +8.6% YoY	61%
Deposits	$159.1M +6.0% YoY+4.0% QoQ	$-41.2M	$200.3M -0.0% YoY	$303.0M +8.7% YoY	$464.6M +9.3% YoY	45%

See Your Full Scorecard

Unlock complete metrics, rankings, and AI-powered insights — always free

Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	0.9% +128.6% YoY+1.9% QoQ	+0.1%	0.8% +15.5% YoY	0.8% +4.1% YoY	0.7% +273.4% YoY	56%
NIM	3.6% +6.7% YoY+0.6% QoQ	-0.0%	3.6% +6.9% YoY	3.8% +5.1% YoY	3.7% +5.0% YoY	49%
Efficiency Ratio	80.8% -9.8% YoY-1.7% QoQ	+3.5%	77.3% -3.0% YoY	75.4% -1.8% YoY	79.1% -3.3% YoY	64%
Delinquency Rate	0.2% -70.9% YoY-49.0% QoQ	-0.7	0.9% +7.6% YoY	1.1% +8.5% YoY	1.2% -0.9% YoY	Bottom 8.0% in tier
Loan To Share	95.9% -3.7% YoY-3.9% QoQ	+23.2%	72.7% -1.5% YoY	70.4% -2.4% YoY	68.0% -1.7% YoY	Top 6.7% in tier
AMR	$25,164 +3.4% YoY+2.1% QoQ	+$801	$24,363 +2.9% YoY	$18,470 +2.4% YoY	$19,418 +1.3% YoY	65%
CD Concentration	42.7% -5.7% YoY-1.6% QoQ	+18.3%	24.4% +4.2% YoY	22.3% +6.6% YoY	19.6% +6.2% YoY	50%
Indirect Auto %	5.3% -18.3% YoY-4.6% QoQ	-8.6%	14.0% -5.7% YoY	6.9% +1.1% YoY	7.9% -2.9% YoY	50%

Signature Analysis

Strengths (3)

Organic Growth Engine

growth

#512 of 603 • Top 27.9% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 0.61%

(Tier: 0.88%, National: 9.37%)

but worse than tier avg

Return on Assets: 0.85%

(Tier: 0.77%, National: 0.71%)

better than tier avg

Indirect Auto %: 5.35%

(Tier: 13.97%, National: 7.90%)

better than tier avg

603 of 1077 Community CUs have this signature | 917 nationally

→ Stable (608→603 CUs) -5 CUs YoY | New qualifier

Credit Quality Leader

growth

#97 of 340 • Top 28.3% in tier

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

Why This Signature

Delinquency Rate: 0.15%

(Tier: 0.85%, National: 1.23%)

better than tier avg

Delinquency Change (YoY): -0.38% points

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

better than tier avg

340 of 1077 Community CUs have this signature | 457 nationally

→ Stable (341→340 CUs) -1 CUs YoY | New qualifier

Organic Growth Leader

growth

#418 of 430 • Top 31.7% 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: 0.88%, National: 9.37%)

but worse than tier avg

Indirect Auto %: 5.35%

(Tier: 13.97%, National: 7.90%)

better than tier avg

430 of 1077 Community CUs have this signature | 608 nationally

↓ Shrinking -21 CUs YoY | New qualifier

Concerns (2)

Liquidity Strain

risk

#150 of 258 • Bottom 19.2% in tier

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

Why This Signature

Loan-to-Share Ratio: 95.91%

(Tier: 74.56%, National: 67.96%)

but better than tier avg

Loan Growth (YoY): 2.01%

(Tier: 3.65%, National: 36.38%)

worse than tier avg

258 of 1077 Community CUs have this signature | 484 nationally

↓ Shrinking -28 CUs YoY | Rank worsening

Efficiency Drag

risk

#421 of 521 • Bottom 23.8% in tier

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

Why This Signature

Efficiency Ratio: 80.82%

(Tier: 77.15%, National: 79.10%)

worse than tier avg

ROA Change (YoY): 0.48% points

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

but better than tier avg

Member Growth (YoY): 0.61%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

521 of 1077 Community CUs have this signature | 624 nationally

↓ Shrinking -113 CUs YoY | Rank improving

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 1077 peers in tier

Top Strengths (4 metrics)

Loan-to-Share Ratio

balance_sheet

Value: 95.91%

Peer Avg: -

#72 of 1077 Top 6.6% in 100M-500M tier

Total Delinquency Rate (60+ days)

risk

Value: 0.15%

Peer Avg: -

#87 of 1077 Top 8.0% in 100M-500M tier

113

Fee Income Per Member

profitability

Value: $265.96

Peer Avg: -

#113 of 1077 Top 10.4% in 100M-500M tier

238

Loan-to-Member Ratio (LMR)

engagement

Value: $12,320

Peer Avg: -

#238 of 1077 Top 22.0% in 100M-500M tier

Top Weaknesses (3 metrics)

1029

Share Certificate Concentration (%)

balance_sheet

Value: 42.74%

Peer Avg: -

#1029 of 1077 Bottom 4.5% in 100M-500M tier

988

First Mortgage Concentration (%)

balance_sheet

Value: 56.12%

Peer Avg: -

#988 of 1077 Bottom 8.4% in 100M-500M tier

911

Members Per Employee (MPE)

engagement

Value: 242.804

Peer Avg: -

#911 of 1077 Bottom 15.5% in 100M-500M tier