BlastPoint's Credit Union Scorecard
Y-12
Charter #6775 · TN
Y-12 has 8 strengths but faces 4 concerns
How does the industry compare?
What's your peer group doing?
How does TN stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 18.8% in tier
- + ROA 0.62% above tier average
- + Net Interest Margin 0.22% above tier average
- + Strong member growth: 14.7% YoY
- + Total Loans: Top 2.0% in tier
- + Loan Growth Rate: Top 2.3% in tier
- + Member Growth Rate: Top 3.3% in tier
- + Deposit Growth Rate: Top 3.3% in tier
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 3.0% in tier
- - Indirect Auto Dependency: Bottom 4.3% in tier
- - Liquidity Strain: Bottom 9.6% in tier
- - Credit Quality Pressure: Bottom 24.7% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 300 credit unions with $1B-$3B in assets nationally, and 1 of 3 that size in Tennessee.
- Shares and deposits +21.8% year over year ($2.19B in shares and deposits).
- Membership: 137,984 members, +14.7% vs a year ago.
- Delinquency rate 0.52%.
- Return on assets 1.43%.
- Efficiency ratio 63.44% vs a 73.02% peer average.
- Loan-to-share ratio 102.85% vs a 84.71% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
137,984
+14.7% YoY+0.3% QoQ
|
+41.1K |
96,861
-1.9% YoY
|
22,058
+4.8% YoY
|
34,678
+6.6% YoY
|
84% |
| Assets |
$2.8B
+19.5% YoY-0.4% QoQ
|
+$1.0B |
$1.7B
+0.4% YoY
|
$390.3M
+9.5% YoY
|
$593.1M
+10.2% YoY
|
Top 6.3% in tier |
| Loans |
$2.3B
+24.3% YoY+1.3% QoQ
|
+$1.0B |
$1.2B
+0.7% YoY
|
$289.3M
+8.5% YoY
|
$418.6M
+10.1% YoY
|
Top 2.3% in tier |
| Deposits |
$2.2B
+21.8% YoY-1.2% QoQ
|
+$731.2M |
$1.5B
+0.5% YoY
|
$326.4M
+8.9% YoY
|
$504.8M
+10.3% YoY
|
Top 12.7% in tier |
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| ROA |
1.4%
+14.2% YoY+3.7% QoQ
|
+0.6% |
0.8%
+27.6% YoY
|
1.1%
+46.9% YoY
|
1.2%
+121.4% YoY
|
Top 9.0% in tier |
| NIM |
3.6%
+4.5% YoY+1.7% QoQ
|
+0.2% |
3.4%
+6.6% YoY
|
3.9%
+2.1% YoY
|
3.8%
+2.3% YoY
|
64% |
| Efficiency Ratio |
63.4%
+2.8% YoY+1.6% QoQ
|
-9.6% |
73.0%
-2.7% YoY
|
78.9%
+2.6% YoY
|
83.0%
-5.3% YoY
|
Top 14.0% in tier |
| Delinquency Rate |
0.5%
+42.7% YoY+21.0% QoQ
|
-0.3 |
0.9%
+7.3% YoY
|
1.1%
-1.7% YoY
|
1.3%
+2.6% YoY
|
31% |
| Loan To Share |
102.8%
+2.0% YoY+2.6% QoQ
|
+18.1% |
84.7%
+0.1% YoY
|
68.7%
-1.7% YoY
|
66.4%
-1.4% YoY
|
Top 8.3% in tier |
| AMR |
$32,261
+7.3% YoY-0.3% QoQ
|
+$3K |
$29,575
+1.5% YoY
|
$19,228
+3.5% YoY
|
$20,028
-0.9% YoY
|
72% |
| CD Concentration |
27.3%
-2.3% YoY+1.2% QoQ
|
-1.8% | 29.1% | 22.4% | 20.0% | 43% |
| Indirect Auto % |
21.9%
+3.3% YoY+5.6% QoQ
|
+3.8% | 18.1% | 6.8% | 7.7% | 64% |
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)