BlastPoint's Credit Union Scorecard
Y-12
Charter #6775 · TN
Y-12 has 12 strengths but faces 5 concerns
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How does TN stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Leader: Top 5.0% in tier
- + Organic Growth Engine: Top 8.5% in tier
- + Wallet Share Momentum: Top 57.4% in tier
- + ROA 0.21% above tier average
- + Strong member growth: 17.4% YoY
- + Asset Growth Rate: Top 1.0% in tier
- + Loan Growth Rate: Top 1.7% in tier
- + Total Loans: Top 2.3% in tier
- + Member Growth Rate: Top 2.6% in tier
- + Deposit Growth Rate: Top 2.6% in tier
- + Loan-to-Share Ratio: Top 5.3% in tier
- + Total Assets: Top 5.6% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 1.8% in tier
- - Credit Risk Growth: Bottom 3.7% in tier
- - Credit Quality Pressure: Bottom 32.4% in tier
- - Margin Compression: Bottom 50.0% in tier
- - Indirect Auto Dependency: Bottom 53.3% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
136,401
+17.4% YoY-0.6% QoQ
|
+39.0K |
97,431
-2.4% YoY
|
21,265
+4.5% YoY
|
33,374
+5.7% YoY
|
82% |
| Assets |
$2.7B
+26.8% YoY+0.5% QoQ
|
+$1.0B |
$1.7B
+0.9% YoY
|
$372.5M
+10.3% YoY
|
$561.6M
+9.7% YoY
|
Top 6.0% in tier |
| Loans |
$2.2B
+29.1% YoY+1.3% QoQ
|
+$991.1M |
$1.2B
+0.5% YoY
|
$275.7M
+8.6% YoY
|
$397.0M
+8.8% YoY
|
Top 2.6% in tier |
| Deposits |
$2.1B
+23.5% YoY+0.3% QoQ
|
+$663.8M |
$1.5B
+0.9% YoY
|
$312.1M
+9.5% YoY
|
$477.3M
+9.7% YoY
|
Top 13.9% in tier |
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| ROA |
0.9%
-16.5% YoY-16.7% QoQ
|
+0.2% |
0.7%
+20.9% YoY
|
0.7%
-5.8% YoY
|
0.7%
+15.9% YoY
|
70% |
| NIM |
3.2%
-2.9% YoY-4.1% QoQ
|
-0.0% |
3.3%
+9.2% YoY
|
3.8%
+3.7% YoY
|
3.8%
+5.1% YoY
|
44% |
| Efficiency Ratio |
63.5%
-5.7% YoY+2.5% QoQ
|
-10.5% |
74.1%
-9.5% YoY
|
79.4%
+2.9% YoY
|
79.7%
-3.3% YoY
|
Bottom 11.3% in tier |
| Delinquency Rate |
0.5%
+85.4% YoY+26.0% QoQ
|
-0.4 |
0.9%
+6.2% YoY
|
1.1%
-12.6% YoY
|
1.3%
-2.1% YoY
|
25% |
| Loan To Share |
104.8%
+4.5% YoY+0.9% QoQ
|
+20.0% |
84.8%
-0.8% YoY
|
70.0%
-2.2% YoY
|
67.4%
-1.7% YoY
|
Top 5.6% in tier |
| AMR |
$31,882
+7.6% YoY+1.5% QoQ
|
+$2K |
$29,428
+2.4% YoY
|
$18,770
+3.9% YoY
|
$19,687
+2.0% YoY
|
71% |
| CD Concentration |
27.3%
-4.7% YoY+1.7% QoQ
|
-1.7% | 29.0% | 22.4% | 19.8% | 42% |
| Indirect Auto % |
19.8%
+7.5% YoY+4.0% QoQ
|
+1.5% | 18.3% | 6.7% | 7.8% | 58% |
Signature Analysis
Strengths (3)
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (5)
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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)