BlastPoint's Credit Union Scorecard
US COMMUNITY
Charter #67720 · TN
US COMMUNITY has 3 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 35.0% in tier
- + Credit Quality Leader: Top 46.6% in tier
- + ROA 0.04% above tier average
Key Concerns
Areas that may need attention
- - Stagnation Risk: Bottom 13.9% in tier
- - Membership Headwinds: Bottom 17.1% in tier
- - Member decline: -2.4% YoY
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
25,740
-2.4% YoY-0.6% QoQ
|
+10.1K |
15,628
-3.4% YoY
|
21,139
+4.9% YoY
|
33,089
+6.1% YoY
|
Top 12.0% in tier |
| Assets |
$333.0M
+5.5% YoY+2.8% QoQ
|
+$101.7M |
$231.3M
-0.0% YoY
|
$362.5M
+9.5% YoY
|
$547.7M
+7.8% YoY
|
78% |
| Loans |
$235.6M
+5.8% YoY+3.7% QoQ
|
+$87.8M |
$147.8M
-1.4% YoY
|
$271.1M
+9.1% YoY
|
$388.7M
+8.6% YoY
|
83% |
| Deposits |
$290.6M
+6.3% YoY+3.2% QoQ
|
+$90.3M |
$200.3M
-0.0% YoY
|
$303.0M
+8.7% YoY
|
$464.6M
+9.3% YoY
|
80% |
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| ROA |
0.8%
+100.7% YoY+29.5% QoQ
|
+0.0% |
0.8%
+15.5% YoY
|
0.8%
+4.1% YoY
|
0.7%
+273.4% YoY
|
55% |
| NIM |
3.6%
+6.3% YoY+1.1% QoQ
|
-0.0% |
3.6%
+6.9% YoY
|
3.8%
+5.1% YoY
|
3.7%
+5.0% YoY
|
48% |
| Efficiency Ratio |
75.4%
-10.6% YoY-2.0% QoQ
|
-1.9% |
77.3%
-3.0% YoY
|
75.4%
-1.8% YoY
|
79.1%
-3.3% YoY
|
44% |
| Delinquency Rate |
0.2%
-60.1% YoY-36.0% QoQ
|
-0.6 |
0.9%
+7.6% YoY
|
1.1%
+8.5% YoY
|
1.2%
-0.9% YoY
|
Bottom 12.6% in tier |
| Loan To Share |
81.1%
-0.4% YoY+0.5% QoQ
|
+8.4% |
72.7%
-1.5% YoY
|
70.4%
-2.4% YoY
|
68.0%
-1.7% YoY
|
66% |
| AMR |
$20,441
+8.7% YoY+4.1% QoQ
|
$-4K |
$24,363
+2.9% YoY
|
$18,470
+2.4% YoY
|
$19,418
+1.3% YoY
|
38% |
| CD Concentration |
30.5%
+0.9% YoY+4.4% QoQ
|
+6.1% |
24.4%
+4.2% YoY
|
22.3%
+6.6% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
9.3%
-40.2% YoY-18.8% QoQ
|
-4.6% |
14.0%
-5.7% YoY
|
6.9%
+1.1% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (2)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Concerns (2)
Stagnation Risk
riskMembership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
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)