BlastPoint's Credit Union Scorecard

BOWATER EMPLOYEES

Charter #67970 · TN

100M-500M

1070 CUs in 100M-500M nationally 25 in TN

BOWATER EMPLOYEES has 4 strengths but faces 5 concerns

National Analysis

How does the industry compare?

TN Analysis

How does TN stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Organic Growth Engine: Top 50.0% in tier
+ Organic Growth Leader: Top 50.0% in tier
+ ROA 0.56% above tier average
+ Net Interest Margin 0.94% above tier average

Key Concerns

Areas that may need attention

- Deposit Outflow: Bottom 50.0% in tier
- Shrinking Wallet Share: Bottom 50.0% in tier
- Deposit Growth Rate: Bottom 2.2% in tier
- Asset Growth Rate: Bottom 2.8% in tier
- AMR Growth Rate: Bottom 6.3% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (TN)	National Avg	Tier Percentile
Members	20,767 +2.8% YoY+0.4% QoQ	+5.6K	15,145 -2.5% YoY	21,412 +3.7% YoY	33,913 +5.7% YoY	79%
Assets	$300.1M -5.3% YoY+1.3% QoQ	+$68.4M	$231.7M +0.8% YoY	$379.6M +8.7% YoY	$578.3M +9.0% YoY	73%
Loans	$215.9M +6.4% YoY+6.7% QoQ	+$71.8M	$144.1M +0.2% YoY	$279.0M +7.7% YoY	$402.4M +8.7% YoY	81%
Deposits	$266.6M -7.0% YoY+1.1% QoQ	+$65.5M	$201.1M +0.4% YoY	$319.1M +8.0% YoY	$494.3M +9.1% YoY	75%

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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	1.3% +15.6% QoQ	+0.6%	0.7% +5.1% YoY	0.6% -5.0% YoY	0.4% -39.2% YoY	83%
NIM	4.6% +29.1% YoY+8.8% QoQ	+0.9%	3.6% +4.6% YoY	3.9% +5.1% YoY	3.8% +4.1% YoY	Top 8.5% in tier
Efficiency Ratio	64.5% -20.0% YoY-7.7% QoQ	-13.5%	78.0% -1.7% YoY	79.6% +1.7% YoY	84.6% +2.8% YoY	Top 14.1% in tier
Delinquency Rate	0.6% -3.4% YoY-31.1% QoQ	-0.2	0.8% +7.1% YoY	0.9% -14.5% YoY	1.2% +3.4% YoY	48%
Loan To Share	81.0% +14.4% YoY+5.5% QoQ	+10.6%	70.4% -0.4% YoY	68.3% -1.5% YoY	65.6% -1.4% YoY	70%
AMR	$23,238 -4.2% YoY+3.1% QoQ	$-2K	$24,918 +2.7% YoY	$18,957 +3.0% YoY	$19,920 +1.6% YoY	52%
CD Concentration	26.6% -25.3% YoY-5.1% QoQ	+2.3%	24.3%	22.3%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	6.8%	7.7%	50%

Signature Analysis

Strengths (2)

Organic Growth Engine

growth

#33 of 352 • Top 50.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 2.83%

(Tier: 0.72%, National: 10.19%)

better than tier avg

Return on Assets: 1.29%

(Tier: 0.72%, National: 0.39%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.80%, National: 7.73%)

better than tier avg

352 of 1070 Mid-Small & Community CUs have this signature | 499 nationally

→ No prior data (352 CUs now) | New qualifier

Organic Growth Leader

growth

#171 of 371 • Top 50.0% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 2.83%

(Tier: 0.72%, National: 10.19%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.80%, National: 7.73%)

better than tier avg

371 of 1070 Mid-Small & Community CUs have this signature | 518 nationally

→ No prior data (371 CUs now) | New qualifier

Concerns (2)

Deposit Outflow

decline

#5 of 72 • Bottom 50.0% in tier

Members staying (>= -1% YoY) but deposits leaving. They're moving money to higher-yield competitors - rate pressure is real.

Why This Signature

Deposit Growth (YoY): -7.00%

(Tier: 4.30%, National: 64.06%)

worse than tier avg

Member Growth (YoY): 2.83%

(Tier: 0.72%, National: 10.19%)

but better than tier avg

72 of 1070 Mid-Small & Community CUs have this signature | 98 nationally

→ No prior data (72 CUs now) | New qualifier

Shrinking Wallet Share

decline

#75 of 238 • Bottom 50.0% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature

AMR Growth (YoY): -4.16%

(Tier: 3.74%, National: 6.36%)

worse than tier avg

238 of 1070 Mid-Small & Community CUs have this signature | 335 nationally

↓ Shrinking -109 CUs YoY | New qualifier

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 1070 peers in tier

Top Strengths (8 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 6.61%

#1 of 1070 Top 0.1% in 100M-500M tier

Net Interest Margin (NIM)

profitability

Value: 4.57%

Peer Median: 3.62%

#91 of 1070 Top 8.4% in 100M-500M tier

152

Efficiency Ratio

profitability

Value: 64.54%

Peer Median: 78.68%

#152 of 1070 Top 14.1% in 100M-500M tier

183

Return on Assets (ROA)

profitability

Value: 1.29%

Peer Median: 0.69%

#183 of 1070 Top 17.0% in 100M-500M tier

208

Total Loans

balance_sheet

Value: $215.94M

Peer Median: $121.41M

#208 of 1070 Top 19.3% in 100M-500M tier

223

Total Members

engagement

Value: 20,767

Peer Median: 13,200

#223 of 1070 Top 20.7% in 100M-500M tier

230

Member Growth Rate

growth

Value: 2.83%

Peer Median: -0.06%

#230 of 1070 Top 21.4% in 100M-500M tier

258

First Mortgage Concentration (%)

balance_sheet

Value: 17.01%

Peer Median: 29.47%

#258 of 1070 Top 24.0% in 100M-500M tier

Top Weaknesses (4 metrics)

1047

Deposit Growth Rate

growth

Value: -7.00%

Peer Median: 3.30%

#1047 of 1070 Bottom 2.2% in 100M-500M tier

1041

Asset Growth Rate

growth

Value: -5.27%

Peer Median: 3.91%

#1041 of 1070 Bottom 2.8% in 100M-500M tier

1004

AMR Growth Rate

growth

Value: -4.16%

Peer Median: 3.46%

#1004 of 1070 Bottom 6.3% in 100M-500M tier

817

Net Charge-Off Rate

risk

Value: 0.67%

Peer Median: 0.35%

#817 of 1070 Bottom 23.7% in 100M-500M tier