BlastPoint's Credit Union Scorecard

TENDTO

Charter #24965 · PA

100M-500M

1070 CUs in 100M-500M nationally 62 in PA

TENDTO faces 8 concerns requiring attention

National Analysis

How does the industry compare?

PA Analysis

How does PA stack up?

Key Strengths

Areas where this CU excels compared to peers

No key strengths identified

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 50.0% in tier
- Indirect Auto Dependency: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- Membership Headwinds: Bottom 50.0% in tier
- Stagnation Risk: Bottom 50.0% in tier
- Credit Risk Growth: Bottom 50.0% in tier
- ROA 0.48% below tier average
- Efficiency ratio 8.33% above tier (higher cost structure)

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (PA)	National Avg	Tier Percentile
Members	11,651 -1.9% YoY-0.4% QoQ	-3.5K	15,145 -2.5% YoY	18,228 +6.1% YoY	33,913 +5.7% YoY	42%
Assets	$143.7M -0.4% YoY+2.5% QoQ	$-88.0M	$231.7M +0.8% YoY	$307.3M +11.2% YoY	$578.3M +9.0% YoY	28%
Loans	$68.5M +3.0% YoY-0.6% QoQ	$-75.6M	$144.1M +0.2% YoY	$202.4M +9.8% YoY	$402.4M +8.7% YoY	16%
Deposits	$131.9M -1.2% YoY+2.8% QoQ	$-69.2M	$201.1M +0.4% YoY	$264.3M +10.7% YoY	$494.3M +9.1% YoY	31%

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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	0.2% -37.8% YoY-8.5% QoQ	-0.5%	0.7% +5.1% YoY	0.8% +3.2% YoY	0.4% -39.2% YoY	19%
NIM	3.1% +3.3% YoY-1.9% QoQ	-0.5%	3.6% +4.6% YoY	3.5% +3.1% YoY	3.8% +4.1% YoY	22%
Efficiency Ratio	86.4% -1.7% YoY-2.7% QoQ	+8.3%	78.0% -1.7% YoY	78.0% -8.8% YoY	84.6% +2.8% YoY	76%
Delinquency Rate	0.7% +29.1% YoY-16.6% QoQ	-0.1	0.8% +7.1% YoY	1.2% -7.0% YoY	1.2% +3.4% YoY	56%
Loan To Share	51.9% +4.3% YoY-3.4% QoQ	-18.5%	70.4% -0.4% YoY	52.5% -2.7% YoY	65.6% -1.4% YoY	Bottom 13.9% in tier
AMR	$17,200 +2.2% YoY+2.0% QoQ	$-8K	$24,918 +2.7% YoY	$16,757 +3.3% YoY	$19,920 +1.6% YoY	18%
CD Concentration	17.7% -0.3% YoY-6.1% QoQ	-6.6%	24.3%	15.4%	19.8%	50%
Indirect Auto %	44.2% -4.8% YoY+1.7% QoQ	+30.4%	13.8%	8.3%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (6)

Efficiency Drag

risk

#210 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: 86.35%

(Tier: 77.94%, National: 84.64%)

worse than tier avg

ROA Change (YoY): -0.15% points

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

worse than tier avg

Member Growth (YoY): -1.94%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

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

↓ Shrinking -84 CUs YoY | Rank improving

Indirect Auto Dependency

risk

#199 of 504 • Bottom 50.0% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): -0.40%

(Tier: 4.68%, National: 1663.40%)

worse than tier avg

Indirect Auto %: 44.22%

(Tier: 13.80%, National: 7.73%)

worse than tier avg

Member Growth (YoY): -1.94%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

504 of 1070 Mid-Small & Community CUs have this signature | 745 nationally

↓ Shrinking -29 CUs YoY | Rank worsening

Credit Quality Pressure

risk

#399 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): 0.15% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

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

↓ Shrinking -60 CUs YoY | New qualifier

Membership Headwinds

decline

#360 of 570 • Bottom 50.0% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -1.94%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

Stagnation Risk

risk

#384 of 570 • Bottom 50.0% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -1.94%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): 3.03%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

Delinquency Rate: 0.68%

(Tier: 0.76%, National: 1.19%)

but better than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

Credit Risk Growth

risk

#350 of 476 • Bottom 50.0% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 3.03%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

Delinquency Change (YoY): 0.15% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

476 of 1070 Mid-Small & Community CUs have this signature | 710 nationally

→ No prior data (476 CUs now) | 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 (1 metrics)

142

First Mortgage Concentration (%)

balance_sheet

Value: 10.52%

Peer Median: 29.47%

#142 of 1070 Top 13.2% in 100M-500M tier

Top Weaknesses (12 metrics)

1025

Net Worth Ratio

risk

Value: 8.15%

Peer Median: 11.45%

#1025 of 1070 Bottom 4.3% in 100M-500M tier

1011

Indirect Auto Concentration (%)

balance_sheet

Value: 44.22%

Peer Median: 6.61%

#1011 of 1070 Bottom 5.6% in 100M-500M tier

936

Loan-to-Member Ratio (LMR)

engagement

Value: $5,880

Peer Median: $9,356

#936 of 1070 Bottom 12.6% in 100M-500M tier

921

Loan-to-Share Ratio

balance_sheet

Value: 51.95%

Peer Median: 71.88%

#921 of 1070 Bottom 14.0% in 100M-500M tier

918

Deposit Growth Rate

growth

Value: -1.24%

Peer Median: 3.30%

#918 of 1070 Bottom 14.3% in 100M-500M tier

911

Asset Growth Rate

growth

Value: -0.40%

Peer Median: 3.91%

#911 of 1070 Bottom 15.0% in 100M-500M tier

902

Total Loans

balance_sheet

Value: $68.51M

Peer Median: $121.41M

#902 of 1070 Bottom 15.8% in 100M-500M tier

882

Average Member Relationship (AMR)

engagement

Value: $17,200

Peer Median: $22,931

#882 of 1070 Bottom 17.7% in 100M-500M tier

864

Return on Assets (ROA)

profitability

Value: 0.25%

Peer Median: 0.69%

#864 of 1070 Bottom 19.3% in 100M-500M tier

837

Net Interest Margin (NIM)

profitability

Value: 3.14%

Peer Median: 3.62%

#837 of 1070 Bottom 21.9% in 100M-500M tier