BlastPoint's Credit Union Scorecard

TOWER

Charter #8333 · MD

Large 5B-7B

Tower at VentureTech 2026 · Fort Worth

YOU MADE THE SET.

Tower is one of 101 credit unions in the 2026 VentureTech card set. We also found Tower's biggest opportunity. Unlock it at the BlastPoint booth during expo hall hours, Mon Nov 16 and Tue Nov 17.

2026 CU
CARD SET

VENTURETECH EDITION

Tower

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TOWER
PEER · AT VENTURETECH
PEER · AT VENTURETECH
TOWER'S BIGGEST OPPORTUNITY

39 CUs in 5B-7B nationally 3 in MD

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TOWER has 4 strengths but faces 7 concerns

National Analysis

How does the industry compare?

Large Tier

What's your peer group doing?

MD Analysis

How does MD stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Wallet Share Momentum: Top 25.0% in tier
+ ROA 0.23% above tier average
+ Net Interest Margin 0.26% above tier average
+ Net Worth Ratio: Top 7.7% in tier

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 29.7% in tier
- Credit Risk Growth: Bottom 37.5% in tier
- Indirect Auto Dependency: Bottom 46.9% in tier
- Membership Headwinds: Bottom 81.2% in tier
- Stagnation Risk: Bottom 81.2% in tier
- Efficiency ratio 2.22% above tier (higher cost structure)
- Total Assets: Bottom 2.6% in tier

WORLD 1 · VENTURETECH

The real pack is waiting in Fort Worth

1 CLEAR Your card arrived By email from Collier at BlastPoint
2 YOU ARE HERE Open your pack Right here on your Scorecard
3 BOSS LEVEL Grab the real pack At the BlastPoint booth
4 BONUS ROUND Find a CU from your pack Meet up and you both enter to win a member intelligence report

ADMIT ONE · PLAYER 1

Your printed pack

Where: The BlastPoint booth, Omni Fort Worth
Expo hall: Mon Nov 16 and Tue Nov 17

Pick a time to meet

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Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (MD)	National Avg	Tier Percentile
Members	222,073 -0.7% YoY+1.6% QoQ	-88.8K	310,918 +6.0% YoY	36,510 +7.3% YoY	34,678 +6.6% YoY	Bottom 12.8% in tier
Assets	$5.0B +6.0% YoY-0.0% QoQ	$-787.1M	$5.8B -1.1% YoY	$678.8M +11.6% YoY	$593.1M +10.2% YoY	Bottom 0.1% in tier
Loans	$3.8B +6.1% YoY+2.3% QoQ	$-405.9M	$4.2B -0.7% YoY	$482.2M +10.0% YoY	$418.6M +10.1% YoY	33%
Deposits	$4.3B +5.3% YoY-0.2% QoQ	$-584.7M	$4.9B -1.3% YoY	$576.6M +11.4% YoY	$504.8M +10.3% YoY	Bottom 7.7% in tier

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	1.2% -4.8% YoY+10.0% QoQ	+0.2%	0.9% +35.3% YoY	0.7% +24.7% YoY	1.2% +121.4% YoY	72%
NIM	3.5% -2.2% YoY+1.2% QoQ	+0.3%	3.2% +9.5% YoY	3.4% -0.6% YoY	3.8% +2.3% YoY	59%
Efficiency Ratio	67.4% +0.7% YoY-2.7% QoQ	+2.2%	65.2% -9.0% YoY	84.7% +4.5% YoY	83.0% -5.3% YoY	56%
Delinquency Rate	0.4% +48.2% YoY+16.9% QoQ	-0.4	0.8% +23.8% YoY	1.2% +2.8% YoY	1.3% +2.6% YoY	15%
Loan To Share	88.0% +0.8% YoY+2.6% QoQ	+2.4%	85.6% -0.2% YoY	63.7% -0.8% YoY	66.4% -1.4% YoY	44%
AMR	$36,495 +6.4% YoY-0.7% QoQ	+$4K	$32,010 -7.3% YoY	$21,403 +4.3% YoY	$20,028 -0.9% YoY	74%
CD Concentration	23.3% +4.3% YoY+3.6% QoQ	-5.0%	28.3%	21.7%	20.0%	29%
Indirect Auto %	17.7% +7.2% YoY+5.3% QoQ	+0.9%	16.8%	7.3%	7.7%	53%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#16 of 20 • Top 25.0% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 6.38%

(Tier: 4.16%, National: 35.20%)

better than tier avg

20 of 67 Large CUs have this signature | 635 nationally

→ Stable (17→20 CUs) +3 CUs YoY | Rank improving

Concerns (5)

Credit Risk Growth

risk

#13 of 28 • Bottom 37.5% in tier

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

Why This Signature

Loan Growth (YoY): 6.12%

(Tier: 7.79%, National: 78.26%)

worse than tier avg

Delinquency Change (YoY): 0.13% points

(Tier: 0.07% points, National: 0.08% points)

worse than tier avg

28 of 67 Large CUs have this signature | 688 nationally

→ Stable (31→28 CUs) -3 CUs YoY | Rank improving

Credit Quality Pressure

risk

#19 of 33 • Bottom 29.7% in tier

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

Why This Signature

Delinquency Change (YoY): 0.13% points

(Tier: 0.07% points, National: 0.08% points)

worse than tier avg

33 of 67 Large CUs have this signature | 962 nationally

→ Stable (37→33 CUs) -4 CUs YoY | Rank improving

Indirect Auto Dependency

risk

#23 of 35 • Bottom 46.9% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): 6.01%

(Tier: 8.71%, National: 3.30%)

worse than tier avg

Indirect Auto %: 17.72%

(Tier: 16.81%, National: 7.71%)

worse than tier avg

Member Growth (YoY): -0.66%

(Tier: 4.24%, National: 15.67%)

worse than tier avg

35 of 67 Large CUs have this signature | 714 nationally

→ Stable (33→35 CUs) +2 CUs YoY | Rank improving

Membership Headwinds

decline

#13 of 13 • Bottom 81.2% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -0.66%

(Tier: 4.24%, National: 15.67%)

worse than tier avg

13 of 67 Large CUs have this signature | 653 nationally

→ Stable (11→13 CUs) +2 CUs YoY | New qualifier

Stagnation Risk

risk

#13 of 13 • Bottom 81.2% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -0.66%

(Tier: 4.24%, National: 15.67%)

worse than tier avg

Loan Growth (YoY): 6.12%

(Tier: 7.79%, National: 78.26%)

worse than tier avg

Delinquency Rate: 0.39%

(Tier: 0.79%, National: 1.26%)

but better than tier avg

13 of 67 Large CUs have this signature | 653 nationally

→ Stable (11→13 CUs) +2 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 39 peers in tier

Top Strengths (6 metrics)

Net Worth Ratio

risk

Value: 14.31%

Peer Median: 10.43%

#4 of 39 Top 7.7% in 5B-7B tier

Net Charge-Off Rate

risk

Value: 0.26%

Peer Median: 0.62%

#5 of 39 Top 10.3% in 5B-7B tier

Total Delinquency Rate (60+ days)

risk

Value: 0.39%

Peer Median: 0.67%

#7 of 39 Top 15.4% in 5B-7B tier

Loan-to-Member Ratio (LMR)

engagement

Value: $17,086

Peer Median: $13,956

#8 of 39 Top 17.9% in 5B-7B tier

AMR Growth Rate

growth

Value: 6.38%

Peer Median: 2.28%

#9 of 39 Top 20.5% in 5B-7B tier

Average Member Relationship (AMR)

engagement

Value: $36,495

Peer Median: $29,661

#10 of 39 Top 23.1% in 5B-7B tier

Top Weaknesses (5 metrics)

Total Assets

balance_sheet

Value: $5.00B

Peer Median: $5.68B

#39 of 39 Bottom 2.6% in 5B-7B tier

Fee Income Per Member

profitability

Value: $148.26

Peer Median: $208.80

#36 of 39 Bottom 10.3% in 5B-7B tier

Total Deposits

balance_sheet

Value: $4.31B

Peer Median: $4.80B

#36 of 39 Bottom 10.3% in 5B-7B tier

Total Members

engagement

Value: 222,073

Peer Median: 303,111

#34 of 39 Bottom 15.4% in 5B-7B tier

Member Growth Rate

growth

Value: -0.66%

Peer Median: 2.78%

#33 of 39 Bottom 17.9% in 5B-7B tier