BlastPoint's Credit Union Scorecard
Y-12
Charter #6775 · TN
Y-12 has 8 strengths but faces 4 concerns
How does the industry compare?
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How does TN stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 15.0% in tier
- + ROA 0.66% above tier average
- + Net Interest Margin 0.23% above tier average
- + Strong member growth: 16.7% YoY
- + Total Loans: Top 1.6% in tier
- + Member Growth Rate: Top 2.9% in tier
- + Asset Growth Rate: Top 2.9% in tier
- + Loan Growth Rate: Top 3.3% in tier
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 3.7% in tier
- - Indirect Auto Dependency: Bottom 3.9% in tier
- - Liquidity Strain: Bottom 10.7% in tier
- - Credit Quality Pressure: Bottom 24.2% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
137,505
+16.7% YoY+0.8% QoQ
|
+41.5K |
96,048
-2.7% YoY
|
21,412
+3.7% YoY
|
33,913
+5.7% YoY
|
83% |
| Assets |
$2.8B
+25.8% YoY+1.5% QoQ
|
+$1.1B |
$1.7B
+0.4% YoY
|
$379.6M
+8.7% YoY
|
$578.3M
+9.0% YoY
|
Top 4.2% in tier |
| Loans |
$2.2B
+26.5% YoY+0.1% QoQ
|
+$1.0B |
$1.2B
+0.2% YoY
|
$279.0M
+7.7% YoY
|
$402.4M
+8.7% YoY
|
Top 2.0% in tier |
| Deposits |
$2.2B
+24.8% YoY+4.7% QoQ
|
+$756.4M |
$1.5B
+0.5% YoY
|
$319.1M
+8.0% YoY
|
$494.3M
+9.1% YoY
|
Top 11.1% in tier |
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| ROA |
1.4%
+28.8% YoY+54.1% QoQ
|
+0.7% |
0.7%
+27.6% YoY
|
0.6%
-5.0% YoY
|
0.4%
-39.2% YoY
|
Top 9.2% in tier |
| NIM |
3.6%
+2.3% YoY+11.0% QoQ
|
+0.2% |
3.4%
+6.2% YoY
|
3.9%
+5.1% YoY
|
3.8%
+4.1% YoY
|
66% |
| Efficiency Ratio |
62.4%
-3.5% YoY-1.8% QoQ
|
-12.2% |
74.6%
-3.0% YoY
|
79.6%
+1.7% YoY
|
84.6%
+2.8% YoY
|
Top 10.1% in tier |
| Delinquency Rate |
0.4%
+56.0% YoY-11.5% QoQ
|
-0.3 |
0.8%
+6.9% YoY
|
0.9%
-14.5% YoY
|
1.2%
+3.4% YoY
|
28% |
| Loan To Share |
100.2%
+1.4% YoY-4.4% QoQ
|
+17.1% |
83.2%
-0.4% YoY
|
68.3%
-1.5% YoY
|
65.6%
-1.4% YoY
|
Top 9.5% in tier |
| AMR |
$32,355
+7.7% YoY+1.5% QoQ
|
+$3K |
$29,652
+2.3% YoY
|
$18,957
+3.0% YoY
|
$19,920
+1.6% YoY
|
72% |
| CD Concentration |
27.0%
-2.9% YoY-1.3% QoQ
|
-1.9% | 28.8% | 22.3% | 19.8% | 43% |
| Indirect Auto % |
20.7%
+5.5% YoY+4.7% QoQ
|
+2.6% | 18.1% | 6.8% | 7.7% | 62% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (4)
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.
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)