BlastPoint's Credit Union Scorecard

TEN

Charter #66886 · TN

100M-500M

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

TEN has 1 strength but faces 8 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

+ Total Delinquency Rate (60+ days): Top 9.2% in tier

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 50.0% in tier
- Membership Headwinds: Bottom 50.0% in tier
- Institutional Decline: Bottom 50.0% in tier
- Stagnation Risk: Bottom 50.0% in tier
- ROA 0.61% below tier average
- Efficiency ratio 14.18% above tier (higher cost structure)
- Member decline: -5.0% YoY
- Deposit Growth Rate: Bottom 2.3% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (TN)	National Avg	Tier Percentile
Members	18,401 -5.0% YoY-1.6% QoQ	+3.3K	15,145 -2.5% YoY	21,412 +3.7% YoY	33,913 +5.7% YoY	72%
Assets	$394.4M -1.6% YoY-1.3% QoQ	+$162.7M	$231.7M +0.8% YoY	$379.6M +8.7% YoY	$578.3M +9.0% YoY	Top 12.1% in tier
Loans	$237.3M -1.3% YoY-1.4% QoQ	+$93.1M	$144.1M +0.2% YoY	$279.0M +7.7% YoY	$402.4M +8.7% YoY	84%
Deposits	$340.8M -6.9% YoY-1.6% QoQ	+$139.6M	$201.1M +0.4% YoY	$319.1M +8.0% YoY	$494.3M +9.1% YoY	Top 11.8% in tier

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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	0.1% +118.3% YoY-60.3% QoQ	-0.6%	0.7% +5.1% YoY	0.6% -5.0% YoY	0.4% -39.2% YoY	Bottom 12.4% in tier
NIM	3.2% +12.6% YoY+5.5% QoQ	-0.5%	3.6% +4.6% YoY	3.9% +5.1% YoY	3.8% +4.1% YoY	23%
Efficiency Ratio	92.2% +3.8% YoY+7.0% QoQ	+14.2%	78.0% -1.7% YoY	79.6% +1.7% YoY	84.6% +2.8% YoY	Bottom 10.9% in tier
Delinquency Rate	0.1% -14.4% YoY-44.1% QoQ	-0.6	0.8% +7.1% YoY	0.9% -14.5% YoY	1.2% +3.4% YoY	Top 9.2% in tier
Loan To Share	69.6% +6.1% YoY+0.2% QoQ	-0.8%	70.4% -0.4% YoY	68.3% -1.5% YoY	65.6% -1.4% YoY	45%
AMR	$31,414 +0.3% YoY+0.1% QoQ	+$6K	$24,918 +2.7% YoY	$18,957 +3.0% YoY	$19,920 +1.6% YoY	84%
CD Concentration	10.9% +25.0% YoY+23.9% QoQ	-13.3%	24.3%	22.3%	19.8%	50%
Indirect Auto %	6.4% -44.0% YoY-14.7% QoQ	-7.4%	13.8%	6.8%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (4)

Efficiency Drag

risk

#133 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: 92.20%

(Tier: 77.94%, National: 84.64%)

worse than tier avg

ROA Change (YoY): 0.07% points

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

but better than tier avg

Member Growth (YoY): -4.98%

(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

Membership Headwinds

decline

#128 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): -4.98%

(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

Institutional Decline

decline

#90 of 250 • Bottom 50.0% in tier

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

Why This Signature

Total Assets: $394.44M

(Tier: $334.04M, National: $578.34M)

but better than tier avg

Member Growth (YoY): -4.98%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): -1.29%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

250 of 1070 Mid-Small & Community CUs have this signature | 289 nationally

→ No prior data (250 CUs now) | New qualifier

Stagnation Risk

risk

#229 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): -4.98%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): -1.29%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

Delinquency Rate: 0.14%

(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

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 (7 metrics)

Total Delinquency Rate (60+ days)

risk

Value: 0.14%

Peer Median: 0.61%

#99 of 1070 Top 9.2% in 100M-500M tier

126

Total Deposits

balance_sheet

Value: $340.78M

Peer Median: $171.29M

#126 of 1070 Top 11.7% in 100M-500M tier

129

Total Assets

balance_sheet

Value: $394.44M

Peer Median: $196.57M

#129 of 1070 Top 12.0% in 100M-500M tier

129

Share Certificate Concentration (%)

balance_sheet

Value: 10.94%

Peer Median: 23.10%

#129 of 1070 Top 12.0% in 100M-500M tier

166

Average Member Relationship (AMR)

engagement

Value: $31,414

Peer Median: $22,931

#166 of 1070 Top 15.4% in 100M-500M tier

167

Total Loans

balance_sheet

Value: $237.27M

Peer Median: $121.41M

#167 of 1070 Top 15.5% in 100M-500M tier

198

Loan-to-Member Ratio (LMR)

engagement

Value: $12,894

Peer Median: $9,356

#198 of 1070 Top 18.4% in 100M-500M tier

Top Weaknesses (10 metrics)

1046

Deposit Growth Rate

growth

Value: -6.94%

Peer Median: 3.30%

#1046 of 1070 Bottom 2.3% in 100M-500M tier

986

First Mortgage Concentration (%)

balance_sheet

Value: 56.89%

Peer Median: 29.47%

#986 of 1070 Bottom 7.9% in 100M-500M tier

983

Net Worth Ratio

risk

Value: 8.53%

Peer Median: 11.45%

#983 of 1070 Bottom 8.2% in 100M-500M tier

965

Asset Growth Rate

growth

Value: -1.64%

Peer Median: 3.91%

#965 of 1070 Bottom 9.9% in 100M-500M tier

963

Member Growth Rate

growth

Value: -4.98%

Peer Median: -0.06%

#963 of 1070 Bottom 10.1% in 100M-500M tier

954

Efficiency Ratio

profitability

Value: 92.20%

Peer Median: 78.68%

#954 of 1070 Bottom 10.9% in 100M-500M tier

937

Return on Assets (ROA)

profitability

Value: 0.12%

Peer Median: 0.69%

#937 of 1070 Bottom 12.5% in 100M-500M tier

907

Members Per Employee (MPE)

engagement

Value: 238.974

Peer Median: 309.176

#907 of 1070 Bottom 15.3% in 100M-500M tier

830

AMR Growth Rate

growth

Value: 0.30%

Peer Median: 3.46%

#830 of 1070 Bottom 22.5% in 100M-500M tier

823

Net Interest Margin (NIM)

profitability

Value: 3.17%

Peer Median: 3.62%

#823 of 1070 Bottom 23.2% in 100M-500M tier