BlastPoint's Credit Union Scorecard

OUTREACH

Charter #8922 · TN

<100M

2556 CUs in <100M nationally 87 in TN

OUTREACH faces 3 concerns requiring attention

National Analysis

How does the industry compare?

TN Analysis

How does TN stack up?

Key Strengths

Areas where this CU excels compared to peers

No key strengths identified

Key Concerns

Areas that may need attention

- ROA 0.26% below tier average
- Member decline: -2.2% YoY
- Share Certificate Concentration (%): Bottom 7.6% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (TN)	National Avg	Tier Percentile
Members	2,143 -2.2% YoY-1.2% QoQ	-472	2,615 -1.9% YoY	21,265 +4.5% YoY	33,374 +5.7% YoY	54%
Assets	$34.4M +4.3% YoY+1.4% QoQ	+$4.2M	$30.1M +2.1% YoY	$372.5M +10.3% YoY	$561.6M +9.7% YoY	64%
Loans	$16.9M -6.1% YoY-2.5% QoQ	+$1.2M	$15.8M -1.3% YoY	$275.7M +8.6% YoY	$397.0M +8.8% YoY	65%
Deposits	$30.4M +4.7% YoY+1.6% QoQ	+$4.7M	$25.7M +1.4% YoY	$312.1M +9.5% YoY	$477.3M +9.7% YoY	65%

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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% +100.7% YoY-5.5% QoQ	-0.3%	0.6% +10.8% YoY	0.7% -5.8% YoY	0.7% +15.9% YoY	33%
NIM	3.2% +11.6% YoY-2.4% QoQ	-0.7%	4.0% +4.0% YoY	3.8% +3.7% YoY	3.8% +5.1% YoY	25%
Efficiency Ratio	81.5% -6.9% YoY+1.4% QoQ	-1.1%	82.6% -2.3% YoY	79.4% +2.9% YoY	79.7% -3.3% YoY	54%
Delinquency Rate	0.5% +7.7% YoY-19.6% QoQ	-1.0	1.6% -3.1% YoY	1.1% -12.6% YoY	1.3% -2.1% YoY	43%
Loan To Share	55.7% -10.4% YoY-4.1% QoQ	-4.9%	60.6% -3.1% YoY	70.0% -2.2% YoY	67.4% -1.7% YoY	42%
AMR	$22,059 +2.8% YoY+1.3% QoQ	+$7K	$14,783 -1.4% YoY	$18,770 +3.9% YoY	$19,687 +2.0% YoY	Top 14.4% in tier
CD Concentration	39.6% +0.1% YoY+3.7% QoQ	+15.2%	24.4%	22.4%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	6.7%	7.8%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

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 2556 peers in tier

Top Strengths (3 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: -

#1 of 2556 Top 0.1% in <100M tier

367

Average Member Relationship (AMR)

engagement

Value: $22,059

Peer Median: -

#367 of 2556 Top 14.3% in <100M tier

482

Loan-to-Member Ratio (LMR)

engagement

Value: $7,892

Peer Median: -

#482 of 2556 Top 18.8% in <100M tier

Top Weaknesses (3 metrics)

2363

Share Certificate Concentration (%)

balance_sheet

Value: 39.60%

Peer Median: -

#2363 of 2556 Bottom 7.6% in <100M tier

2017

First Mortgage Concentration (%)

balance_sheet

Value: 29.51%

Peer Median: -

#2017 of 2556 Bottom 21.1% in <100M tier

1969

Net Charge-Off Rate

risk

Value: 0.71%

Peer Median: -

#1969 of 2556 Bottom 23.0% in <100M tier