BlastPoint's Credit Union Scorecard

CHATTANOOGA AREA SCHOOLS

Charter #690 · TN

1077 CUs in 100M-500M nationally 25 in TN

CHATTANOOGA AREA SCHOOLS has 5 strengths but faces 7 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 Leader: Top 22.5% in tier
+ Organic Growth Engine: Top 28.0% in tier
+ Credit Quality Leader: Top 62.5% in tier
+ Indirect Auto Concentration (%): Top 0.0% in tier
+ Members Per Employee (MPE): Top 0.3% in tier

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 9.6% in tier
- Credit Quality Pressure: Bottom 13.3% in tier
- ROA 0.42% below tier average
- Efficiency ratio 0.91% above tier (higher cost structure)
- Fee Income Per Member: Bottom 0.3% in tier
- Net Interest Margin (NIM): Bottom 1.0% in tier
- Share Certificate Concentration (%): Bottom 4.0% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (TN)	National Avg	Tier Percentile
Members	12,412 +1.6% YoY+0.8% QoQ	-3.2K	15,628 -3.4% YoY	21,139 +4.9% YoY	33,089 +6.1% YoY	44%
Assets	$189.3M +3.4% YoY+0.4% QoQ	$-42.0M	$231.3M -0.0% YoY	$362.5M +9.5% YoY	$547.7M +7.8% YoY	48%
Loans	$88.4M +7.8% YoY+3.9% QoQ	$-59.4M	$147.8M -1.4% YoY	$271.1M +9.1% YoY	$388.7M +8.6% YoY	27%
Deposits	$164.7M +3.6% YoY+0.3% QoQ	$-35.6M	$200.3M -0.0% YoY	$303.0M +8.7% YoY	$464.6M +9.3% YoY	47%

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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	0.4% -261.3% YoY-0.3% QoQ	-0.4%	0.8% +15.5% YoY	0.8% +4.1% YoY	0.7% +273.4% YoY	23%
NIM	1.7% +56.5% YoY+1.3% QoQ	-1.9%	3.6% +6.9% YoY	3.8% +5.1% YoY	3.7% +5.0% YoY	Bottom 0.9% in tier
Efficiency Ratio	78.2% -35.4% YoY+0.5% QoQ	+0.9%	77.3% -3.0% YoY	75.4% -1.8% YoY	79.1% -3.3% YoY	55%
Delinquency Rate	0.3% +451.2% YoY-3.8% QoQ	-0.6	0.9% +7.6% YoY	1.1% +8.5% YoY	1.2% -0.9% YoY	17%
Loan To Share	53.7% +4.0% YoY+3.6% QoQ	-19.0%	72.7% -1.5% YoY	70.4% -2.4% YoY	68.0% -1.7% YoY	Bottom 13.5% in tier
AMR	$20,390 +3.4% YoY+0.8% QoQ	$-4K	$24,363 +2.9% YoY	$18,470 +2.4% YoY	$19,418 +1.3% YoY	38%
CD Concentration	43.4% +11.2% YoY+2.7% QoQ	+18.9%	24.4% +4.2% YoY	22.3% +6.6% YoY	19.6% +6.2% YoY	50%
Indirect Auto %	0.0%	-14.0%	14.0% -5.7% YoY	6.9% +1.1% YoY	7.9% -2.9% YoY	50%

Signature Analysis

Strengths (3)

Organic Growth Leader

growth

#298 of 430 • Top 22.5% in tier

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

Why This Signature

Member Growth (YoY): 1.58%

(Tier: 0.88%, National: 9.37%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.97%, National: 7.90%)

better than tier avg

430 of 1077 Community CUs have this signature | 608 nationally

↓ Shrinking -21 CUs YoY | Rank worsening

Organic Growth Engine

growth

#513 of 603 • Top 28.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 1.58%

(Tier: 0.88%, National: 9.37%)

better than tier avg

Return on Assets: 0.37%

(Tier: 0.77%, National: 0.71%)

but worse than tier avg

Indirect Auto %: 0.00%

(Tier: 13.97%, National: 7.90%)

better than tier avg

603 of 1077 Community CUs have this signature | 917 nationally

→ Stable (608→603 CUs) -5 CUs YoY | New qualifier

Credit Quality Leader

growth

#213 of 340 • Top 62.5% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why This Signature

Delinquency Rate: 0.28%

(Tier: 0.85%, National: 1.23%)

better than tier avg

Delinquency Change (YoY): 0.23% points

(Tier: 0.04% points, National: 0.07% points)

but worse than tier avg

340 of 1077 Community CUs have this signature | 457 nationally

→ Stable (341→340 CUs) -1 CUs YoY | Rank worsening

Concerns (2)

Credit Risk Growth

risk

#145 of 446 • Bottom 9.6% in tier

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

Why This Signature

Loan Growth (YoY): 7.75%

(Tier: 3.65%, National: 36.38%)

but better than tier avg

Delinquency Change (YoY): 0.23% points

(Tier: 0.04% points, National: 0.07% points)

worse than tier avg

446 of 1077 Community CUs have this signature | 646 nationally

↓ Shrinking -77 CUs YoY | Rank improving

Credit Quality Pressure

risk

#331 of 736 • Bottom 13.3% in tier

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

Why This Signature

Delinquency Change (YoY): 0.23% points

(Tier: 0.04% points, National: 0.07% points)

worse than tier avg

736 of 1077 Community CUs have this signature | 1002 nationally

↓ Shrinking -199 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 1077 peers in tier

Top Strengths (5 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Avg: -

#1 of 1077 Top 0.0% in 100M-500M tier

Members Per Employee (MPE)

engagement

Value: 954.769

Peer Avg: -

#4 of 1077 Top 0.3% in 100M-500M tier

134

Net Charge-Off Rate

risk

Value: 0.08%

Peer Avg: -

#134 of 1077 Top 12.3% in 100M-500M tier

180

Total Delinquency Rate (60+ days)

risk

Value: 0.28%

Peer Avg: -

#180 of 1077 Top 16.6% in 100M-500M tier

254

Loan Growth Rate

growth

Value: 7.75%

Peer Avg: -

#254 of 1077 Top 23.5% in 100M-500M tier

Top Weaknesses (6 metrics)

1075

Fee Income Per Member

profitability

Value: $3.58

Peer Avg: -

#1075 of 1077 Bottom 0.3% in 100M-500M tier

1067

Net Interest Margin (NIM)

profitability

Value: 1.67%

Peer Avg: -

#1067 of 1077 Bottom 1.0% in 100M-500M tier

1035

Share Certificate Concentration (%)

balance_sheet

Value: 43.36%

Peer Avg: -

#1035 of 1077 Bottom 4.0% in 100M-500M tier

932

Loan-to-Share Ratio

balance_sheet

Value: 53.69%

Peer Avg: -

#932 of 1077 Bottom 13.6% in 100M-500M tier

830

Return on Assets (ROA)

profitability

Value: 0.37%

Peer Avg: -

#830 of 1077 Bottom 23.0% in 100M-500M tier

816

Loan-to-Member Ratio (LMR)

engagement

Value: $7,123

Peer Avg: -

#816 of 1077 Bottom 24.3% in 100M-500M tier