BlastPoint's Credit Union Scorecard

COMTRUST

Charter #606 · TN

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

COMTRUST has 5 strengths but faces 11 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

+ Credit Quality Leader: Top 13.0% in tier
+ Wallet Share Momentum: Top 54.0% in tier
+ Total Delinquency Rate (60+ days): Top 3.8% in tier
+ Total Deposits: Top 7.6% in tier
+ Total Assets: Top 8.6% in tier

Key Concerns

Areas that may need attention

- Membership Headwinds: Bottom 6.3% in tier
- Stagnation Risk: Bottom 7.0% in tier
- Indirect Auto Dependency: Bottom 30.0% in tier
- Flatlined Growth: Bottom 40.8% in tier
- ROA 0.28% below tier average
- Efficiency ratio 0.13% above tier (higher cost structure)
- Member decline: -5.5% YoY
- Loan-to-Share Ratio: Bottom 1.0% in tier
- Net Interest Margin (NIM): Bottom 1.9% in tier
- Loan-to-Member Ratio (LMR): Bottom 7.9% in tier
- Member Growth Rate: Bottom 8.7% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (TN)	National Avg	Tier Percentile
Members	18,121 -5.5% YoY-1.7% QoQ	+2.5K	15,628 -3.4% YoY	21,139 +4.9% YoY	33,089 +6.1% YoY	68%
Assets	$414.0M +1.6% YoY-0.1% QoQ	+$182.7M	$231.3M -0.0% YoY	$362.5M +9.5% YoY	$547.7M +7.8% YoY	Top 8.7% in tier
Loans	$97.2M +1.5% YoY-0.6% QoQ	$-50.6M	$147.8M -1.4% YoY	$271.1M +9.1% YoY	$388.7M +8.6% YoY	33%
Deposits	$365.5M +1.4% YoY-0.3% QoQ	+$165.3M	$200.3M -0.0% YoY	$303.0M +8.7% YoY	$464.6M +9.3% YoY	Top 7.7% in tier

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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	0.5% +968.4% YoY+2.5% QoQ	-0.3%	0.8% +15.5% YoY	0.8% +4.1% YoY	0.7% +273.4% YoY	33%
NIM	1.9% +39.5% YoY+0.9% QoQ	-1.7%	3.6% +6.9% YoY	3.8% +5.1% YoY	3.7% +5.0% YoY	Bottom 1.8% in tier
Efficiency Ratio	77.4% -20.1% YoY-0.3% QoQ	+0.1%	77.3% -3.0% YoY	75.4% -1.8% YoY	79.1% -3.3% YoY	51%
Delinquency Rate	0.1% -53.5% YoY-48.0% QoQ	-0.8	0.9% +7.6% YoY	1.1% +8.5% YoY	1.2% -0.9% YoY	Bottom 3.8% in tier
Loan To Share	26.6% +0.1% YoY-0.3% QoQ	-46.1%	72.7% -1.5% YoY	70.4% -2.4% YoY	68.0% -1.7% YoY	Bottom 0.9% in tier
AMR	$25,538 +7.3% YoY+1.3% QoQ	+$1K	$24,363 +2.9% YoY	$18,470 +2.4% YoY	$19,418 +1.3% YoY	67%
CD Concentration	33.2% +4.7% YoY+2.8% QoQ	+8.8%	24.4% +4.2% YoY	22.3% +6.6% YoY	19.6% +6.2% YoY	50%
Indirect Auto %	15.6% -14.9% YoY-2.8% QoQ	+1.6%	14.0% -5.7% YoY	6.9% +1.1% YoY	7.9% -2.9% YoY	50%

Signature Analysis

Strengths (2)

Credit Quality Leader

growth

#45 of 340 • Top 13.0% in tier

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

Why This Signature

Delinquency Rate: 0.09%

(Tier: 0.85%, National: 1.23%)

better than tier avg

Delinquency Change (YoY): -0.10% 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 | Rank improving

Wallet Share Momentum

growth

#260 of 481 • Top 54.0% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 7.26%

(Tier: 3.68%, National: 4.19%)

better than tier avg

481 of 1077 Community CUs have this signature | 620 nationally

↑ Growing +201 CUs YoY | Rank worsening

Concerns (4)

Membership Headwinds

decline

#105 of 550 • Bottom 6.3% in tier

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

Why This Signature

Member Growth (YoY): -5.46%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

550 of 1077 Community CUs have this signature | 648 nationally

→ Stable (555→550 CUs) -5 CUs YoY | Rank improving

Stagnation Risk

risk

#116 of 550 • Bottom 7.0% in tier

Membership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -5.46%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

Loan Growth (YoY): 1.51%

(Tier: 3.65%, National: 36.38%)

worse than tier avg

Delinquency Rate: 0.09%

(Tier: 0.85%, National: 1.23%)

but better than tier avg

550 of 1077 Community CUs have this signature | 648 nationally

→ Stable (555→550 CUs) -5 CUs YoY | Rank improving

Indirect Auto Dependency

risk

#482 of 525 • Bottom 30.0% in tier

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

Why This Signature

Asset Growth (YoY): 1.62%

(Tier: 4.61%, National: 3.04%)

worse than tier avg

Indirect Auto %: 15.60%

(Tier: 13.97%, National: 7.90%)

worse than tier avg

Member Growth (YoY): -5.46%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

525 of 1077 Community CUs have this signature | 768 nationally

↓ Shrinking -18 CUs YoY

Flatlined Growth

risk

#43 of 58 • Bottom 40.8% in tier

Asset growth stalled (-2% to +2%) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why This Signature

Asset Growth (YoY): 1.62%

(Tier: 4.61%, National: 3.04%)

worse than tier avg

Return on Assets: 0.51%

(Tier: 0.77%, National: 0.71%)

worse than tier avg

58 of 1077 Community CUs have this signature | 82 nationally

↑ Growing +10 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 1077 peers in tier

Top Strengths (5 metrics)

Total Delinquency Rate (60+ days)

risk

Value: 0.09%

Peer Avg: -

#42 of 1077 Top 3.8% in 100M-500M tier

Total Deposits

balance_sheet

Value: $365.54M

Peer Avg: -

#83 of 1077 Top 7.6% in 100M-500M tier

Total Assets

balance_sheet

Value: $413.98M

Peer Avg: -

#94 of 1077 Top 8.6% in 100M-500M tier

148

Net Charge-Off Rate

risk

Value: 0.09%

Peer Avg: -

#148 of 1077 Top 13.6% in 100M-500M tier

203

AMR Growth Rate

growth

Value: 7.26%

Peer Avg: -

#203 of 1077 Top 18.8% in 100M-500M tier

Top Weaknesses (6 metrics)

1067

Loan-to-Share Ratio

balance_sheet

Value: 26.60%

Peer Avg: -

#1067 of 1077 Bottom 1.0% in 100M-500M tier

1058

Net Interest Margin (NIM)

profitability

Value: 1.87%

Peer Avg: -

#1058 of 1077 Bottom 1.9% in 100M-500M tier

993

Loan-to-Member Ratio (LMR)

engagement

Value: $5,365

Peer Avg: -

#993 of 1077 Bottom 7.9% in 100M-500M tier

984

Member Growth Rate

growth

Value: -5.46%

Peer Avg: -

#984 of 1077 Bottom 8.7% in 100M-500M tier

870

Share Certificate Concentration (%)

balance_sheet

Value: 33.24%

Peer Avg: -

#870 of 1077 Bottom 19.3% in 100M-500M tier

850

Fee Income Per Member

profitability

Value: $112.86

Peer Avg: -

#850 of 1077 Bottom 21.2% in 100M-500M tier