BlastPoint's Credit Union Scorecard

NORTHEAST COMMUNITY

Charter #67021 · TN

100M-500M

1024 CUs in 100M-500M nationally 25 in TN

NORTHEAST COMMUNITY has 3 strengths but faces 7 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

+ Wallet Share Momentum: Top 50.0% in tier
+ ROA 0.28% above tier average
+ Net Worth Ratio: Top 9.0% in tier

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- Liquidity Overhang: Bottom 50.0% in tier
- Stagnation Risk: Bottom 50.0% in tier
- Membership Headwinds: Bottom 50.0% in tier
- Delinquency rate 0.76% above tier average
- First Mortgage Concentration (%): Bottom 1.3% in tier

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

One of 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 25 that size in Tennessee.
Shares and deposits +4.7% year over year ($164M in shares and deposits).
Membership: 12,438 members, -0.5% vs a year ago.
Delinquency rate 1.64%.
Return on assets 1.15%.
Efficiency ratio 71.47% vs a 76.73% peer average.
Loan-to-share ratio 63.12% vs a 71.54% peer average.

Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (TN)	National Avg	Tier Percentile
Members	12,438 -0.5% YoY+0.1% QoQ	-2.7K	15,168 -2.6% YoY	22,058 +4.8% YoY	34,678 +6.6% YoY	46%
Assets	$194.2M +4.4% YoY+2.9% QoQ	$-37.8M	$232.0M +0.7% YoY	$390.3M +9.5% YoY	$593.1M +10.2% YoY	49%
Loans	$103.8M +10.9% YoY+3.8% QoQ	$-42.4M	$146.3M +0.2% YoY	$289.3M +8.5% YoY	$418.6M +10.1% YoY	38%
Deposits	$164.5M +4.7% YoY+4.0% QoQ	$-36.2M	$200.7M +0.2% YoY	$326.4M +8.9% YoY	$504.8M +10.3% YoY	47%

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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	1.1% -1.4% YoY-3.9% QoQ	+0.3%	0.9% +12.5% YoY	1.1% +46.9% YoY	1.2% +121.4% YoY	73%
NIM	3.3% +12.0% YoY+2.2% QoQ	-0.4%	3.7% +4.5% YoY	3.9% +2.1% YoY	3.8% +2.3% YoY	28%
Efficiency Ratio	71.5% +3.0% YoY-0.3% QoQ	-5.3%	76.7% -0.8% YoY	78.9% +2.6% YoY	83.0% -5.3% YoY	30%
Delinquency Rate	1.6% +236.0% YoY+15.5% QoQ	+0.8	0.9% +6.6% YoY	1.1% -1.7% YoY	1.3% +2.6% YoY	Bottom 11.3% in tier
Loan To Share	63.1% +5.9% YoY-0.2% QoQ	-8.4%	71.5% -0.3% YoY	68.7% -1.7% YoY	66.4% -1.4% YoY	30%
AMR	$21,572 +7.6% YoY+3.9% QoQ	$-4K	$25,107 +3.2% YoY	$19,228 +3.5% YoY	$20,028 -0.9% YoY	41%
CD Concentration	10.4% -4.1% YoY-1.6% QoQ	-14.1%	24.6%	22.4%	20.0%	50%
Indirect Auto %	0.0%	-13.6%	13.6%	6.8%	7.7%	50%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#240 of 483 • Top 50.0% in tier

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

Why This Signature

AMR Growth (YoY): 7.57%

(Tier: 3.97%, National: 35.20%)

better than tier avg

483 of 1024 Mid-Small & Community CUs have this signature | 635 nationally

↑ Growing +52 CUs YoY | Rank improving

Concerns (5)

Credit Risk Growth

risk

#13 of 472 • 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): 10.88%

(Tier: 4.13%, National: 78.26%)

but better than tier avg

Delinquency Change (YoY): 1.15% points

(Tier: 0.04% points, National: 0.08% points)

worse than tier avg

472 of 1024 Mid-Small & Community CUs have this signature | 688 nationally

↑ Growing +32 CUs YoY | New qualifier

Credit Quality Pressure

risk

#32 of 693 • 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): 1.15% points

(Tier: 0.04% points, National: 0.08% points)

worse than tier avg

693 of 1024 Mid-Small & Community CUs have this signature | 962 nationally

↓ Shrinking -83 CUs YoY | New qualifier

Liquidity Overhang

risk

#81 of 130 • Bottom 50.0% in tier

Exceptional capital position (>16%, top quartile). Strong fundamentals—opportunity to deploy capital more productively.

Why This Signature

Net Worth Ratio: 16.77%

(Tier: 12.53%, National: 14.66%)

but better than tier avg

Loan-to-Share Ratio: 63.12%

(Tier: 73.56%, National: 66.39%)

worse than tier avg

130 of 1024 Mid-Small & Community CUs have this signature | 148 nationally

↑ Growing +7 CUs YoY | Rank improving

Stagnation Risk

risk

#493 of 549 • 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): -0.52%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

Loan Growth (YoY): 10.88%

(Tier: 4.13%, National: 78.26%)

but better than tier avg

Delinquency Rate: 1.64%

(Tier: 0.87%, National: 1.26%)

worse than tier avg

549 of 1024 Mid-Small & Community CUs have this signature | 653 nationally

↓ Shrinking -15 CUs YoY | Rank worsening

Membership Headwinds

decline

#545 of 549 • 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): -0.52%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

549 of 1024 Mid-Small & Community CUs have this signature | 653 nationally

↓ Shrinking -15 CUs YoY | Rank worsening

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 1024 peers in tier

Top Strengths (5 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 6.15%

#1 of 1024 Top 0.1% in 100M-500M tier

Net Worth Ratio

risk

Value: 16.77%

Peer Median: 11.71%

#93 of 1024 Top 9.0% in 100M-500M tier

110

Share Certificate Concentration (%)

balance_sheet

Value: 10.41%

Peer Median: 23.39%

#110 of 1024 Top 10.6% in 100M-500M tier

142

Loan Growth Rate

growth

Value: 10.88%

Peer Median: 3.02%

#142 of 1024 Top 13.8% in 100M-500M tier

188

AMR Growth Rate

growth

Value: 7.57%

Peer Median: 3.53%

#188 of 1024 Top 18.3% in 100M-500M tier

Top Weaknesses (3 metrics)

1012

First Mortgage Concentration (%)

balance_sheet

Value: 74.06%

Peer Median: 29.92%

#1012 of 1024 Bottom 1.3% in 100M-500M tier

909

Total Delinquency Rate (60+ days)

risk

Value: 1.64%

Peer Median: 0.71%

#909 of 1024 Bottom 11.3% in 100M-500M tier

773

Members Per Employee (MPE)

engagement

Value: 259.125

Peer Median: 310.924

#773 of 1024 Bottom 24.6% in 100M-500M tier