BlastPoint's Credit Union Scorecard

Y-12

Charter #6775 · TN

Mid-Market 1B-3B

304 CUs in 1B-3B nationally 4 in TN

View Mid-Market leaderboard →

Y-12 has 16 strengths but faces 5 concerns

National Analysis

How does the industry compare?

Mid-Market Tier

What's your peer group doing?

TN Analysis

How does TN stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Organic Growth Leader: Top 0.8% in tier
+ Organic Growth Engine: Top 1.1% in tier
+ Wallet Share Momentum: Top 60.0% in tier
+ Profitability Leader: Top 84.0% in tier
+ Credit Quality Leader: Top 84.0% in tier
+ ROA 0.37% above tier average
+ Net Interest Margin 0.10% above tier average
+ Strong member growth: 19.0% YoY
+ Asset Growth Rate: Top 0.7% in tier
+ Member Growth Rate: Top 1.0% in tier
+ Deposit Growth Rate: Top 1.0% in tier
+ Loan Growth Rate: Top 1.6% in tier
+ Total Loans: Top 3.0% in tier
+ Total Assets: Top 5.3% in tier
+ Loan-to-Share Ratio: Top 6.9% in tier
+ Efficiency Ratio: Top 9.9% in tier

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 0.4% in tier
- Credit Risk Growth: Bottom 2.2% in tier
- Margin Compression: Bottom 8.5% in tier
- Credit Quality Pressure: Bottom 10.8% in tier
- Indirect Auto Dependency: Bottom 18.3% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (TN)	National Avg	Tier Percentile
Members	137,291 +19.0% YoY+14.1% QoQ	+38.6K	98,678 -1.9% YoY	21,139 +4.9% YoY	33,089 +6.1% YoY	81%
Assets	$2.7B +26.8% YoY+17.7% QoQ	+$1.0B	$1.7B +0.5% YoY	$362.5M +9.5% YoY	$547.7M +7.8% YoY	Top 5.6% in tier
Loans	$2.2B +29.1% YoY+21.0% QoQ	+$964.2M	$1.2B +0.5% YoY	$271.1M +9.1% YoY	$388.7M +8.6% YoY	Top 3.3% in tier
Deposits	$2.1B +25.4% YoY+17.5% QoQ	+$661.7M	$1.5B +1.3% YoY	$303.0M +8.7% YoY	$464.6M +9.3% YoY	Top 14.8% 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	1.1% -20.2% YoY-14.2% QoQ	+0.4%	0.7% +13.4% YoY	0.8% +4.1% YoY	0.7% +273.4% YoY	81%
NIM	3.4% -1.0% YoY-3.5% QoQ	+0.1%	3.3% +9.3% YoY	3.8% +5.1% YoY	3.7% +5.0% YoY	56%
Efficiency Ratio	62.0% -3.5% YoY+0.5% QoQ	-12.0%	74.0% -10.9% YoY	75.4% -1.8% YoY	79.1% -3.3% YoY	Bottom 9.9% in tier
Delinquency Rate	0.4% +74.7% YoY+5.8% QoQ	-0.4	0.8% +6.1% YoY	1.1% +8.5% YoY	1.2% -0.9% YoY	21%
Loan To Share	103.8% +2.9% YoY+3.0% QoQ	+18.6%	85.2% -0.8% YoY	70.4% -2.4% YoY	68.0% -1.7% YoY	Top 7.2% in tier
AMR	$31,417 +6.9% YoY+4.5% QoQ	+$2K	$29,172 +2.8% YoY	$18,470 +2.4% YoY	$19,418 +1.3% YoY	70%
CD Concentration	26.9% -6.0% YoY-3.8% QoQ	-2.1%	29.0% +0.7% YoY	22.3% +6.6% YoY	19.6% +6.2% YoY	43%
Indirect Auto %	19.0% +4.0% YoY-10.2% QoQ	+0.3%	18.8% -3.0% YoY	6.9% +1.1% YoY	7.9% -2.9% YoY	56%

Signature Analysis

Strengths (5)

Organic Growth Leader

growth

#4 of 138 • Top 0.8% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 19.02%

(Tier: 3.18%, National: 9.37%)

better than tier avg

Indirect Auto %: 19.03%

(Tier: 18.77%, National: 7.90%)

but worse than tier avg

138 of 380 Mid-Market CUs have this signature | 608 nationally

↑ Growing +11 CUs YoY | Rank improving

Organic Growth Engine

growth

#9 of 246 • Top 1.1% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 19.02%

(Tier: 3.18%, National: 9.37%)

better than tier avg

Return on Assets: 1.08%

(Tier: 0.71%, National: 0.71%)

better than tier avg

Indirect Auto %: 19.03%

(Tier: 18.77%, National: 7.90%)

but worse than tier avg

246 of 380 Mid-Market CUs have this signature | 917 nationally

↑ Growing +14 CUs YoY | Rank improving

Wallet Share Momentum

growth

#70 of 116 • Top 60.0% in tier

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

Why This Signature

AMR Growth (YoY): 6.92%

(Tier: 3.04%, National: 4.19%)

better than tier avg

116 of 380 Mid-Market CUs have this signature | 620 nationally

↑ Growing +38 CUs YoY | New qualifier

Profitability Leader

growth

#80 of 95 • Top 84.0% in tier

Top-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.

Why This Signature

Return on Assets: 1.08%

(Tier: 0.71%, National: 0.71%)

better than tier avg

ROA Change (YoY): -0.27% points

(Tier: 0.07% points, National: 0.05% points)

but worse than tier avg

95 of 380 Mid-Market CUs have this signature | 457 nationally

→ Stable (93→95 CUs) +2 CUs YoY | Rank worsening

Credit Quality Leader

growth

#80 of 95 • Top 84.0% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why This Signature

Delinquency Rate: 0.38%

(Tier: 0.83%, National: 1.23%)

better than tier avg

Delinquency Change (YoY): 0.16% points

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

but worse than tier avg

95 of 380 Mid-Market CUs have this signature | 457 nationally

→ Stable (93→95 CUs) +2 CUs YoY | Rank worsening

Concerns (5)

Liquidity Strain

risk

#3 of 183 • Bottom 0.4% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature

Loan-to-Share Ratio: 103.84%

(Tier: 86.32%, National: 67.96%)

but better than tier avg

Loan Growth (YoY): 29.08%

(Tier: 6.14%, National: 36.38%)

but better than tier avg

183 of 380 Mid-Market CUs have this signature | 484 nationally

↑ Growing +10 CUs YoY | Rank improving

Credit Risk Growth

risk

#13 of 161 • Bottom 2.2% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 29.08%

(Tier: 6.14%, National: 36.38%)

but better than tier avg

Delinquency Change (YoY): 0.16% points

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

worse than tier avg

161 of 380 Mid-Market CUs have this signature | 646 nationally

↓ Shrinking -30 CUs YoY | Rank improving

Margin Compression

decline

#8 of 24 • Bottom 8.5% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.

Why This Signature

Return on Assets: 1.08%

(Tier: 0.71%, National: 0.71%)

but better than tier avg

ROA (Prior Year): 1.35%

(Tier: 0.64%, National: 0.67%)

but better than tier avg

ROA Change (YoY): -0.27% points

(Tier: 0.07% points, National: 0.05% points)

worse than tier avg

24 of 380 Mid-Market CUs have this signature | 169 nationally

↓ Shrinking -16 CUs YoY | New qualifier

Credit Quality Pressure

risk

#84 of 217 • Bottom 10.8% in tier

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

Why This Signature

Delinquency Change (YoY): 0.16% points

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

worse than tier avg

217 of 380 Mid-Market CUs have this signature | 1002 nationally

↓ Shrinking -70 CUs YoY | Rank improving

Indirect Auto Dependency

risk

#114 of 202 • Bottom 18.3% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): 26.77%

(Tier: 5.36%, National: 3.04%)

but better than tier avg

Indirect Auto %: 19.03%

(Tier: 18.77%, National: 7.90%)

worse than tier avg

Member Growth (YoY): 19.02%

(Tier: 3.18%, National: 9.37%)

but better than tier avg

202 of 380 Mid-Market CUs have this signature | 768 nationally

↓ Shrinking -7 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 304 peers in tier

Top Strengths (14 metrics)

Asset Growth Rate

growth

Value: 26.77%

Peer Avg: -

#3 of 304 Top 0.7% in 1B-3B tier

Member Growth Rate

growth

Value: 19.02%

Peer Avg: -

#4 of 304 Top 1.0% in 1B-3B tier

Deposit Growth Rate

growth

Value: 25.43%

Peer Avg: -

#4 of 304 Top 1.0% in 1B-3B tier

Loan Growth Rate

growth

Value: 29.08%

Peer Avg: -

#6 of 304 Top 1.6% in 1B-3B tier

Total Loans

balance_sheet

Value: $2.20B

Peer Avg: -

#10 of 304 Top 3.0% in 1B-3B tier

Total Assets

balance_sheet

Value: $2.72B

Peer Avg: -

#17 of 304 Top 5.3% in 1B-3B tier

Loan-to-Share Ratio

balance_sheet

Value: 103.84%

Peer Avg: -

#22 of 304 Top 6.9% in 1B-3B tier

Efficiency Ratio

profitability

Value: 61.99%

Peer Avg: -

#31 of 304 Top 9.9% in 1B-3B tier

Total Deposits

balance_sheet

Value: $2.12B

Peer Avg: -

#45 of 304 Top 14.5% in 1B-3B tier

Loan-to-Member Ratio (LMR)

engagement

Value: $16,004

Peer Avg: -

#54 of 304 Top 17.4% in 1B-3B tier

Top Weaknesses (0 metrics)

No weakness rankings available