BlastPoint's Credit Union Scorecard

BOWATER EMPLOYEES

Charter #67970 · TN

1069 CUs in 100M-500M nationally 25 in TN

BOWATER EMPLOYEES has 5 strengths but faces 6 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 25.2% in tier
+ Organic Growth Leader: Top 53.4% in tier
+ ROA 0.35% above tier average
+ Net Interest Margin 0.60% above tier average
+ Indirect Auto Concentration (%): Top 0.0% in tier

Key Concerns

Areas that may need attention

- Deposit Outflow: Bottom 25.0% in tier
- Margin Compression: Bottom 31.2% in tier
- Shrinking Wallet Share: Bottom 58.0% in tier
- Deposit Growth Rate: Bottom 4.7% in tier
- Asset Growth Rate: Bottom 6.7% in tier
- AMR Growth Rate: Bottom 9.4% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (TN)	National Avg	Tier Percentile
Members	20,680 +2.4% YoY+0.5% QoQ	+5.2K	15,437 -2.9% YoY	21,265 +4.5% YoY	33,374 +5.7% YoY	78%
Assets	$296.3M -2.6% YoY-1.0% QoQ	+$64.4M	$231.9M +1.3% YoY	$372.5M +10.3% YoY	$561.6M +9.7% YoY	72%
Loans	$202.3M +6.2% YoY-1.1% QoQ	+$55.0M	$147.3M -0.1% YoY	$275.7M +8.6% YoY	$397.0M +8.8% YoY	76%
Deposits	$263.6M -4.0% YoY-1.5% QoQ	+$62.8M	$200.8M +0.8% YoY	$312.1M +9.5% YoY	$477.3M +9.7% YoY	74%

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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% -18.8% YoY+24.2% QoQ	+0.4%	0.8% +18.2% YoY	0.7% -5.8% YoY	0.7% +15.9% YoY	75%
NIM	4.2% +15.3% YoY+5.1% QoQ	+0.6%	3.6% +6.7% YoY	3.8% +3.7% YoY	3.8% +5.1% YoY	82%
Efficiency Ratio	69.9% +1.8% YoY-1.7% QoQ	-7.1%	77.0% -3.1% YoY	79.4% +2.9% YoY	79.7% -3.3% YoY	25%
Delinquency Rate	0.8% -4.7% YoY-5.1% QoQ	-0.0	0.9% +4.2% YoY	1.1% -12.6% YoY	1.3% -2.1% YoY	59%
Loan To Share	76.8% +10.6% YoY+0.4% QoQ	+4.5%	72.2% -1.1% YoY	70.0% -2.2% YoY	67.4% -1.7% YoY	55%
AMR	$22,532 -2.2% YoY-1.9% QoQ	$-2K	$24,676 +3.4% YoY	$18,770 +3.9% YoY	$19,687 +2.0% YoY	49%
CD Concentration	28.0% -19.3% YoY-9.4% QoQ	+3.6%	24.4%	22.4%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	6.7%	7.8%	50%

Signature Analysis

Strengths (2)

Organic Growth Engine

growth

#151 of 595 • Top 25.2% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 2.40%

(Tier: 0.69%, National: 4.32%)

better than tier avg

Return on Assets: 1.11%

(Tier: 0.75%, National: 0.67%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.79%, National: 7.78%)

better than tier avg

595 of 1069 Mid-Small & Community CUs have this signature | 913 nationally

→ No prior data (595 CUs now) | New qualifier

Organic Growth Leader

growth

#228 of 426 • Top 53.4% in tier

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

Why This Signature

Member Growth (YoY): 2.40%

(Tier: 0.69%, National: 4.32%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.79%, National: 7.78%)

better than tier avg

426 of 1069 Mid-Small & Community CUs have this signature | 609 nationally

→ No prior data (426 CUs now) | New qualifier

Concerns (3)

Deposit Outflow

decline

#18 of 69 • Bottom 25.0% 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): -4.00%

(Tier: 5.05%, National: 13.79%)

worse than tier avg

Member Growth (YoY): 2.40%

(Tier: 0.69%, National: 4.32%)

but better than tier avg

69 of 1069 Mid-Small & Community CUs have this signature | 91 nationally

→ No prior data (69 CUs now) | New qualifier

Margin Compression

decline

#39 of 123 • Bottom 31.2% 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: 1.11%

(Tier: 0.75%, National: 0.67%)

but better than tier avg

ROA (Prior Year): 1.37%

(Tier: 0.63%, National: 0.62%)

but better than tier avg

ROA Change (YoY): -0.26% points

(Tier: 0.11% points, National: 0.02% points)

worse than tier avg

123 of 1069 Mid-Small & Community CUs have this signature | 145 nationally

→ No prior data (123 CUs now) | New qualifier

Shrinking Wallet Share

decline

#121 of 208 • Bottom 58.0% in tier

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

Why This Signature

AMR Growth (YoY): -2.17%

(Tier: 4.17%, National: 4.00%)

worse than tier avg

208 of 1069 Mid-Small & Community CUs have this signature | 303 nationally

↓ Shrinking -190 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 1069 peers in tier

Top Strengths (6 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: -

#1 of 1069 Top 0.0% in 100M-500M tier

197

Net Interest Margin (NIM)

profitability

Value: 4.20%

Peer Median: -

#197 of 1069 Top 18.3% in 100M-500M tier

241

Total Members

engagement

Value: 20,680

Peer Median: -

#241 of 1069 Top 22.5% in 100M-500M tier

256

Member Growth Rate

growth

Value: 2.40%

Peer Median: -

#256 of 1069 Top 23.9% in 100M-500M tier

262

Total Loans

balance_sheet

Value: $202.34M

Peer Median: -

#262 of 1069 Top 24.4% in 100M-500M tier

266

Return on Assets (ROA)

profitability

Value: 1.11%

Peer Median: -

#266 of 1069 Top 24.8% in 100M-500M tier

Top Weaknesses (3 metrics)

1020

Deposit Growth Rate

growth

Value: -4.00%

Peer Median: -

#1020 of 1069 Bottom 4.7% in 100M-500M tier

998

Asset Growth Rate

growth

Value: -2.64%

Peer Median: -

#998 of 1069 Bottom 6.7% in 100M-500M tier

969

AMR Growth Rate

growth

Value: -2.17%

Peer Median: -

#969 of 1069 Bottom 9.4% in 100M-500M tier