BlastPoint's Credit Union Scorecard

BOWATER EMPLOYEES

Charter #67970 · TN

100M-500M

1024 CUs in 100M-500M nationally 25 in TN

BOWATER EMPLOYEES has 4 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 50.0% in tier
+ Organic Growth Leader: Top 50.0% in tier
+ ROA 0.88% above tier average
+ Net Interest Margin 0.89% above tier average

Key Concerns

Areas that may need attention

- Deposit Outflow: Bottom 50.0% in tier
- Credit Risk Growth: Bottom 50.0% in tier
- Shrinking Wallet Share: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- Deposit Growth Rate: Bottom 3.5% in tier
- Asset Growth Rate: Bottom 6.2% 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 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 25 that size in Tennessee.
Shares and deposits -4.7% year over year ($268M in shares and deposits).
Membership: 20,903 members, +1.9% vs a year ago.
Delinquency rate 0.74%.
Return on assets 1.75%.
Efficiency ratio 64.30% vs a 76.73% peer average.
Loan-to-share ratio 81.24% vs a 71.54% 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	20,903 +1.9% YoY+0.7% QoQ	+5.7K	15,168 -2.6% YoY	22,058 +4.8% YoY	34,678 +6.6% YoY	80%
Assets	$302.6M -2.8% YoY+0.8% QoQ	+$70.6M	$232.0M +0.7% YoY	$390.3M +9.5% YoY	$593.1M +10.2% YoY	74%
Loans	$217.6M +7.7% YoY+0.8% QoQ	+$71.4M	$146.3M +0.2% YoY	$289.3M +8.5% YoY	$418.6M +10.1% YoY	80%
Deposits	$267.9M -4.7% YoY+0.5% QoQ	+$67.2M	$200.7M +0.2% YoY	$326.4M +8.9% YoY	$504.8M +10.3% 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	1.7% +161.3% YoY+35.6% QoQ	+0.9%	0.9% +12.5% YoY	1.1% +46.9% YoY	1.2% +121.4% YoY	Top 7.0% in tier
NIM	4.6% +24.5% YoY+0.2% QoQ	+0.9%	3.7% +4.5% YoY	3.9% +2.1% YoY	3.8% +2.3% YoY	Top 9.2% in tier
Efficiency Ratio	64.3% -12.9% YoY-0.4% QoQ	-12.4%	76.7% -0.8% YoY	78.9% +2.6% YoY	83.0% -5.3% YoY	Top 14.5% in tier
Delinquency Rate	0.7% +5.6% YoY+26.7% QoQ	-0.1	0.9% +6.6% YoY	1.1% -1.7% YoY	1.3% +2.6% YoY	53%
Loan To Share	81.2% +12.9% YoY+0.3% QoQ	+9.7%	71.5% -0.3% YoY	68.7% -1.7% YoY	66.4% -1.4% YoY	67%
AMR	$23,228 -1.4% YoY-0.0% QoQ	$-2K	$25,107 +3.2% YoY	$19,228 +3.5% YoY	$20,028 -0.9% YoY	51%
CD Concentration	26.6% -19.6% YoY+0.0% QoQ	+2.0%	24.6%	22.4%	20.0%	50%
Indirect Auto %	0.0%	-13.6%	13.6%	6.8%	7.7%	50%

Signature Analysis

Strengths (2)

Organic Growth Engine

growth

#70 of 344 • Top 50.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 1.90%

(Tier: 0.46%, National: 15.67%)

better than tier avg

Return on Assets: 1.75%

(Tier: 0.85%, National: 1.23%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.63%, National: 7.71%)

better than tier avg

344 of 1024 Mid-Small & Community CUs have this signature | 490 nationally

↓ Shrinking -271 CUs YoY | Rank improving

Organic Growth Leader

growth

#227 of 342 • 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): 1.90%

(Tier: 0.46%, National: 15.67%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.63%, National: 7.71%)

better than tier avg

342 of 1024 Mid-Small & Community CUs have this signature | 485 nationally

↓ Shrinking -91 CUs YoY | Rank worsening

Concerns (4)

Deposit Outflow

decline

#12 of 84 • 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): -4.65%

(Tier: 4.24%, National: 100.69%)

worse than tier avg

Member Growth (YoY): 1.90%

(Tier: 0.46%, National: 15.67%)

but better than tier avg

84 of 1024 Mid-Small & Community CUs have this signature | 109 nationally

↓ Shrinking -9 CUs YoY | New qualifier

Credit Risk Growth

risk

#340 of 472 • Bottom 50.0% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 7.68%

(Tier: 4.13%, National: 78.26%)

but better than tier avg

Delinquency Change (YoY): 0.04% points

(Tier: 0.04% points, National: 0.08% points)

but better than tier avg

472 of 1024 Mid-Small & Community CUs have this signature | 688 nationally

↑ Growing +32 CUs YoY

Shrinking Wallet Share

decline

#169 of 223 • 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): -1.36%

(Tier: 3.97%, National: 35.20%)

worse than tier avg

223 of 1024 Mid-Small & Community CUs have this signature | 308 nationally

↓ Shrinking -61 CUs YoY | New qualifier

Credit Quality Pressure

risk

#605 of 693 • Bottom 50.0% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.04% points

(Tier: 0.04% points, National: 0.08% points)

but better than tier avg

693 of 1024 Mid-Small & Community CUs have this signature | 962 nationally

↓ Shrinking -83 CUs YoY | Rank improving

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 1024 peers in tier

Top Strengths (8 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 6.15%

#1 of 1024 Top 0.1% in 100M-500M tier

Return on Assets (ROA)

profitability

Value: 1.75%

Peer Median: 0.75%

#72 of 1024 Top 6.9% in 100M-500M tier

Net Interest Margin (NIM)

profitability

Value: 4.58%

Peer Median: 3.67%

#94 of 1024 Top 9.1% in 100M-500M tier

149

Efficiency Ratio

profitability

Value: 64.30%

Peer Median: 77.26%

#149 of 1024 Top 14.5% in 100M-500M tier

203

Total Loans

balance_sheet

Value: $217.63M

Peer Median: $124.04M

#203 of 1024 Top 19.7% in 100M-500M tier

208

Total Members

engagement

Value: 20,903

Peer Median: 13,128

#208 of 1024 Top 20.2% in 100M-500M tier

227

First Mortgage Concentration (%)

balance_sheet

Value: 16.10%

Peer Median: 29.92%

#227 of 1024 Top 22.1% in 100M-500M tier

254

Total Deposits

balance_sheet

Value: $267.91M

Peer Median: $170.77M

#254 of 1024 Top 24.7% in 100M-500M tier

Top Weaknesses (3 metrics)

989

Deposit Growth Rate

growth

Value: -4.65%

Peer Median: 3.58%

#989 of 1024 Bottom 3.5% in 100M-500M tier

961

Asset Growth Rate

growth

Value: -2.83%

Peer Median: 4.12%

#961 of 1024 Bottom 6.2% in 100M-500M tier

887

AMR Growth Rate

growth

Value: -1.36%

Peer Median: 3.53%

#887 of 1024 Bottom 13.5% in 100M-500M tier