BlastPoint's Credit Union Scorecard
US COMMUNITY
Charter #67720 · TN
US COMMUNITY has 2 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 49.2% in tier
- + ROA 0.06% above tier average
Key Concerns
Areas that may need attention
- - Membership Headwinds: Bottom 63.3% in tier
- - Stagnation Risk: Bottom 81.6% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
25,626
-1.9% YoY-0.4% QoQ
|
+10.2K |
15,437
-2.9% YoY
|
21,265
+4.5% YoY
|
33,374
+5.7% YoY
|
Top 11.8% in tier |
| Assets |
$335.4M
+5.1% YoY+0.7% QoQ
|
+$103.5M |
$231.9M
+1.3% YoY
|
$372.5M
+10.3% YoY
|
$561.6M
+9.7% YoY
|
79% |
| Loans |
$238.1M
+6.1% YoY+1.1% QoQ
|
+$90.8M |
$147.3M
-0.1% YoY
|
$275.7M
+8.6% YoY
|
$397.0M
+8.8% YoY
|
84% |
| Deposits |
$292.7M
+5.3% YoY+0.7% QoQ
|
+$91.8M |
$200.8M
+0.8% YoY
|
$312.1M
+9.5% YoY
|
$477.3M
+9.7% YoY
|
80% |
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| ROA |
0.8%
+47.3% YoY-0.7% QoQ
|
+0.1% |
0.8%
+18.2% YoY
|
0.7%
-5.8% YoY
|
0.7%
+15.9% YoY
|
56% |
| NIM |
3.6%
+7.2% YoY+0.9% QoQ
|
-0.0% |
3.6%
+6.7% YoY
|
3.8%
+3.7% YoY
|
3.8%
+5.1% YoY
|
49% |
| Efficiency Ratio |
74.3%
-8.1% YoY-1.3% QoQ
|
-2.7% |
77.0%
-3.1% YoY
|
79.4%
+2.9% YoY
|
79.7%
-3.3% YoY
|
38% |
| Delinquency Rate |
0.7%
-4.0% YoY+232.2% QoQ
|
-0.2 |
0.9%
+4.2% YoY
|
1.1%
-12.6% YoY
|
1.3%
-2.1% YoY
|
52% |
| Loan To Share |
81.4%
+0.8% YoY+0.4% QoQ
|
+9.1% |
72.2%
-1.1% YoY
|
70.0%
-2.2% YoY
|
67.4%
-1.7% YoY
|
68% |
| AMR |
$20,713
+7.8% YoY+1.3% QoQ
|
$-4K |
$24,676
+3.4% YoY
|
$18,770
+3.9% YoY
|
$19,687
+2.0% YoY
|
38% |
| CD Concentration |
30.9%
+1.7% YoY+1.3% QoQ
|
+6.5% | 24.4% | 22.4% | 19.8% | 50% |
| Indirect Auto % |
8.0%
-42.2% YoY-13.8% QoQ
|
-5.7% | 13.8% | 6.7% | 7.8% | 50% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (2)
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
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)