BlastPoint's Credit Union Scorecard

TEN

Charter #66886 · TN

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

TEN has 1 strength but faces 16 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

+ Share Certificate Concentration (%): Top 5.8% in tier

Key Concerns

Areas that may need attention

- Accelerating Exit Risk: Bottom 1.5% in tier
- Institutional Decline: Bottom 3.3% in tier
- Membership Headwinds: Bottom 7.2% in tier
- Shrinking Wallet Share: Bottom 10.2% in tier
- Stagnation Risk: Bottom 12.1% in tier
- Efficiency Drag: Bottom 21.3% in tier
- Credit Quality Pressure: Bottom 26.3% in tier
- ROA 0.60% below tier average
- Efficiency ratio 11.26% above tier (higher cost structure)
- Member decline: -4.9% YoY
- Deposit Growth Rate: Bottom 1.3% in tier
- Asset Growth Rate: Bottom 4.7% in tier
- Net Worth Ratio: Bottom 6.6% in tier
- AMR Growth Rate: Bottom 7.2% in tier
- First Mortgage Concentration (%): Bottom 8.1% in tier
- Member Growth Rate: Bottom 9.8% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (TN)	National Avg	Tier Percentile
Members	18,942 -4.9% YoY-1.1% QoQ	+3.3K	15,628 -3.4% YoY	21,139 +4.9% YoY	33,089 +6.1% YoY	72%
Assets	$395.3M -4.0% YoY-1.4% QoQ	+$164.0M	$231.3M -0.0% YoY	$362.5M +9.5% YoY	$547.7M +7.8% YoY	Top 11.2% in tier
Loans	$243.1M -5.9% YoY+2.2% QoQ	+$95.4M	$147.8M -1.4% YoY	$271.1M +9.1% YoY	$388.7M +8.6% YoY	84%
Deposits	$342.0M -9.6% YoY-3.3% QoQ	+$141.7M	$200.3M -0.0% YoY	$303.0M +8.7% YoY	$464.6M +9.3% YoY	Top 11.2% 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	0.2% -169.6% YoY+65.5% QoQ	-0.6%	0.8% +15.5% YoY	0.8% +4.1% YoY	0.7% +273.4% YoY	Bottom 12.8% in tier
NIM	2.9% +4.7% YoY+1.6% QoQ	-0.6%	3.6% +6.9% YoY	3.8% +5.1% YoY	3.7% +5.0% YoY	18%
Efficiency Ratio	88.5% -9.5% YoY-2.5% QoQ	+11.3%	77.3% -3.0% YoY	75.4% -1.8% YoY	79.1% -3.3% YoY	Top 12.9% in tier
Delinquency Rate	0.5% +6.7% YoY+70.7% QoQ	-0.4	0.9% +7.6% YoY	1.1% +8.5% YoY	1.2% -0.9% YoY	34%
Loan To Share	71.1% +4.1% YoY+5.7% QoQ	-1.6%	72.7% -1.5% YoY	70.4% -2.4% YoY	68.0% -1.7% YoY	43%
AMR	$30,891 -3.4% YoY+0.0% QoQ	+$7K	$24,363 +2.9% YoY	$18,470 +2.4% YoY	$19,418 +1.3% YoY	Top 14.4% in tier
CD Concentration	6.5% -44.8% YoY+11.2% QoQ	-17.9%	24.4% +4.2% YoY	22.3% +6.6% YoY	19.6% +6.2% YoY	50%
Indirect Auto %	8.6% -38.6% YoY-15.8% QoQ	-5.4%	14.0% -5.7% YoY	6.9% +1.1% YoY	7.9% -2.9% YoY	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (7)

Accelerating Exit Risk

decline

#5 of 58 • Bottom 1.5% in tier

Members leaving AND taking more deposits with them. This compounds quickly - urgent need for retention strategy.

Why This Signature

Member Growth (YoY): -4.89%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

AMR Growth (YoY): -3.36%

(Tier: 3.68%, National: 4.19%)

worse than tier avg

58 of 1077 Community CUs have this signature | 73 nationally

↓ Shrinking -89 CUs YoY | New qualifier

Institutional Decline

decline

#27 of 256 • Bottom 3.3% in tier

Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.

Why This Signature

Total Assets: $395.28M

(Tier: $331.87M, National: $547.69M)

but better than tier avg

Member Growth (YoY): -4.89%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

Loan Growth (YoY): -5.88%

(Tier: 3.65%, National: 36.38%)

worse than tier avg

256 of 1077 Community CUs have this signature | 293 nationally

↓ Shrinking -43 CUs YoY | Rank worsening

Membership Headwinds

decline

#120 of 550 • Bottom 7.2% in tier

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

Why This Signature

Member Growth (YoY): -4.89%

(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 worsening

Shrinking Wallet Share

decline

#103 of 244 • Bottom 10.2% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature

AMR Growth (YoY): -3.36%

(Tier: 3.68%, National: 4.19%)

worse than tier avg

244 of 1077 Community CUs have this signature | 346 nationally

↓ Shrinking -221 CUs YoY | New qualifier

Stagnation Risk

risk

#200 of 550 • Bottom 12.1% 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): -4.89%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

Loan Growth (YoY): -5.88%

(Tier: 3.65%, National: 36.38%)

worse than tier avg

Delinquency Rate: 0.46%

(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 worsening

Efficiency Drag

risk

#376 of 521 • Bottom 21.3% in tier

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

Why This Signature

Efficiency Ratio: 88.53%

(Tier: 77.15%, National: 79.10%)

worse than tier avg

ROA Change (YoY): 0.46% points

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

but better than tier avg

Member Growth (YoY): -4.89%

(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 worsening

Credit Quality Pressure

risk

#651 of 736 • Bottom 26.3% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.03% points

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

but better than tier avg

736 of 1077 Community CUs have this signature | 1002 nationally

↓ Shrinking -199 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 (6 metrics)

Share Certificate Concentration (%)

balance_sheet

Value: 6.51%

Peer Avg: -

#63 of 1077 Top 5.8% in 100M-500M tier

121

Total Assets

balance_sheet

Value: $395.28M

Peer Avg: -

#121 of 1077 Top 11.1% in 100M-500M tier

121

Total Deposits

balance_sheet

Value: $341.98M

Peer Avg: -

#121 of 1077 Top 11.1% in 100M-500M tier

155

Average Member Relationship (AMR)

engagement

Value: $30,891

Peer Avg: -

#155 of 1077 Top 14.3% in 100M-500M tier

167

Total Loans

balance_sheet

Value: $243.15M

Peer Avg: -

#167 of 1077 Top 15.4% in 100M-500M tier

200

Loan-to-Member Ratio (LMR)

engagement

Value: $12,836

Peer Avg: -

#200 of 1077 Top 18.5% in 100M-500M tier

Top Weaknesses (11 metrics)

1064

Deposit Growth Rate

growth

Value: -9.59%

Peer Avg: -

#1064 of 1077 Bottom 1.3% in 100M-500M tier

1027

Asset Growth Rate

growth

Value: -4.05%

Peer Avg: -

#1027 of 1077 Bottom 4.7% in 100M-500M tier

1007

Net Worth Ratio

risk

Value: 8.35%

Peer Avg: -

#1007 of 1077 Bottom 6.6% in 100M-500M tier

1000

AMR Growth Rate

growth

Value: -3.36%

Peer Avg: -

#1000 of 1077 Bottom 7.2% in 100M-500M tier

991

First Mortgage Concentration (%)

balance_sheet

Value: 56.40%

Peer Avg: -

#991 of 1077 Bottom 8.1% in 100M-500M tier

972

Member Growth Rate

growth

Value: -4.89%

Peer Avg: -

#972 of 1077 Bottom 9.8% in 100M-500M tier

969

Loan Growth Rate

growth

Value: -5.88%

Peer Avg: -

#969 of 1077 Bottom 10.1% in 100M-500M tier

942

Members Per Employee (MPE)

engagement

Value: 233.852

Peer Avg: -

#942 of 1077 Bottom 12.6% in 100M-500M tier

939

Return on Assets (ROA)

profitability

Value: 0.19%

Peer Avg: -

#939 of 1077 Bottom 12.9% in 100M-500M tier

939

Efficiency Ratio

profitability

Value: 88.53%

Peer Avg: -

#939 of 1077 Bottom 12.9% in 100M-500M tier