BlastPoint's Credit Union Scorecard

F A A

Charter #9639 · TN

100M-500M

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

F A A has 4 strengths but faces 8 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

+ ROA 0.91% above tier average
+ Net Interest Margin 0.57% above tier average
+ Net Worth Ratio: Top 5.0% in tier
+ Share Certificate Concentration (%): Top 7.3% in tier

Key Concerns

Areas that may need attention

- Margin Compression: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- Liquidity Overhang: Bottom 50.0% in tier
- Stagnation Risk: Bottom 50.0% in tier
- Membership Headwinds: Bottom 50.0% in tier
- Institutional Decline: Bottom 50.0% in tier
- Cost Spiral: Bottom 50.0% in tier
- Member decline: -3.7% YoY

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 +1.6% year over year ($107M in shares and deposits).
Membership: 7,612 members, -3.7% vs a year ago.
Delinquency rate 0.87%.
Return on assets 1.77%.
Efficiency ratio 66.58% vs a 76.73% peer average.
Loan-to-share ratio 41.13% 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	7,612 -3.7% YoY-0.6% QoQ	-7.6K	15,168 -2.6% YoY	22,058 +4.8% YoY	34,678 +6.6% YoY	16%
Assets	$131.1M +3.2% YoY+0.7% QoQ	$-100.9M	$232.0M +0.7% YoY	$390.3M +9.5% YoY	$593.1M +10.2% YoY	20%
Loans	$44.1M -4.3% YoY-1.8% QoQ	$-102.2M	$146.3M +0.2% YoY	$289.3M +8.5% YoY	$418.6M +10.1% YoY	Bottom 3.9% in tier
Deposits	$107.2M +1.6% YoY+0.8% QoQ	$-93.5M	$200.7M +0.2% YoY	$326.4M +8.9% YoY	$504.8M +10.3% YoY	15%

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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	1.8% -29.6% YoY-5.6% QoQ	+0.9%	0.9% +12.5% YoY	1.1% +46.9% YoY	1.2% +121.4% YoY	Top 6.8% in tier
NIM	4.3% +3.1% YoY-3.0% QoQ	+0.6%	3.7% +4.5% YoY	3.9% +2.1% YoY	3.8% +2.3% YoY	83%
Efficiency Ratio	66.6% +12.3% YoY+3.0% QoQ	-10.2%	76.7% -0.8% YoY	78.9% +2.6% YoY	83.0% -5.3% YoY	19%
Delinquency Rate	0.9% +294.1% YoY-3.8% QoQ	+0.0	0.9% +6.6% YoY	1.1% -1.7% YoY	1.3% +2.6% YoY	62%
Loan To Share	41.1% -5.8% YoY-2.6% QoQ	-30.4%	71.5% -0.3% YoY	68.7% -1.7% YoY	66.4% -1.4% YoY	Bottom 4.7% in tier
AMR	$19,875 +3.6% YoY+0.6% QoQ	$-5K	$25,107 +3.2% YoY	$19,228 +3.5% YoY	$20,028 -0.9% YoY	31%
CD Concentration	7.8% +18.6% YoY+5.3% QoQ	-16.8%	24.6%	22.4%	20.0%	50%
Indirect Auto %	0.0%	-13.6%	13.6%	6.8%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (7)

Margin Compression

decline

#10 of 140 • Bottom 50.0% 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: 1.77%

(Tier: 0.85%, National: 1.23%)

but better than tier avg

ROA (Prior Year): 2.52%

(Tier: 0.75%, National: 0.66%)

but better than tier avg

ROA Change (YoY): -0.75% points

(Tier: 0.10% points, National: 0.47% points)

worse than tier avg

140 of 1024 Mid-Small & Community CUs have this signature | 167 nationally

→ Stable (143→140 CUs) -3 CUs YoY | New qualifier

Credit Quality Pressure

risk

#94 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): 0.65% points

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

worse than tier avg

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

↓ Shrinking -83 CUs YoY | New qualifier

Liquidity Overhang

risk

#20 of 130 • Bottom 50.0% in tier

Exceptional capital position (>16%, top quartile). Strong fundamentals—opportunity to deploy capital more productively.

Why This Signature

Net Worth Ratio: 18.64%

(Tier: 12.53%, National: 14.66%)

but better than tier avg

Loan-to-Share Ratio: 41.13%

(Tier: 73.56%, National: 66.39%)

worse than tier avg

130 of 1024 Mid-Small & Community CUs have this signature | 148 nationally

↑ Growing +7 CUs YoY | Rank improving

Stagnation Risk

risk

#99 of 549 • Bottom 50.0% 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): -3.66%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

Loan Growth (YoY): -4.33%

(Tier: 4.13%, National: 78.26%)

worse than tier avg

Delinquency Rate: 0.87%

(Tier: 0.87%, National: 1.26%)

worse than tier avg

549 of 1024 Mid-Small & Community CUs have this signature | 653 nationally

↓ Shrinking -15 CUs YoY | Rank worsening

Membership Headwinds

decline

#194 of 549 • Bottom 50.0% in tier

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

Why This Signature

Member Growth (YoY): -3.66%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

549 of 1024 Mid-Small & Community CUs have this signature | 653 nationally

↓ Shrinking -15 CUs YoY

Institutional Decline

decline

#128 of 230 • Bottom 50.0% in tier

Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.

Why This Signature

Total Assets: $131.07M

(Tier: $336.17M, National: $593.11M)

worse than tier avg

Member Growth (YoY): -3.66%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

Loan Growth (YoY): -4.33%

(Tier: 4.13%, National: 78.26%)

worse than tier avg

230 of 1024 Mid-Small & Community CUs have this signature | 261 nationally

↓ Shrinking -49 CUs YoY

Cost Spiral

risk

#60 of 95 • Bottom 50.0% in tier

Historically lean operator (<75% efficiency) now seeing 5+ point efficiency ratio increase despite strong profitability (>0.50% ROA). Efficiency advantage eroding.

Why This Signature

Efficiency Ratio Change: 7.32% points

(Tier: -0.48% points, National: -3.74% points)

worse than tier avg

Efficiency Ratio (Prior Year): 59.26%

(Tier: 77.10%, National: 86.72%)

but better than tier avg

95 of 1024 Mid-Small & Community CUs have this signature | 106 nationally

↑ Growing +30 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 1024 peers in tier

Top Strengths (7 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 6.15%

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

Net Worth Ratio

risk

Value: 18.64%

Peer Median: 11.71%

#52 of 1024 Top 5.0% in 100M-500M tier

Return on Assets (ROA)

profitability

Value: 1.77%

Peer Median: 0.75%

#70 of 1024 Top 6.7% in 100M-500M tier

Share Certificate Concentration (%)

balance_sheet

Value: 7.77%

Peer Median: 23.39%

#76 of 1024 Top 7.3% in 100M-500M tier

139

Net Charge-Off Rate

risk

Value: 0.08%

Peer Median: 0.34%

#139 of 1024 Top 13.5% in 100M-500M tier

178

Net Interest Margin (NIM)

profitability

Value: 4.26%

Peer Median: 3.67%

#178 of 1024 Top 17.3% in 100M-500M tier

194

Efficiency Ratio

profitability

Value: 66.58%

Peer Median: 77.26%

#194 of 1024 Top 18.8% in 100M-500M tier

Top Weaknesses (9 metrics)

984

Total Loans

balance_sheet

Value: $44.09M

Peer Median: $124.04M

#984 of 1024 Bottom 4.0% in 100M-500M tier

976

Loan-to-Share Ratio

balance_sheet

Value: 41.13%

Peer Median: 73.07%

#976 of 1024 Bottom 4.8% in 100M-500M tier

917

Members Per Employee (MPE)

engagement

Value: 223.882

Peer Median: 310.924

#917 of 1024 Bottom 10.5% in 100M-500M tier

905

Loan-to-Member Ratio (LMR)

engagement

Value: $5,793

Peer Median: $9,434

#905 of 1024 Bottom 11.7% in 100M-500M tier

901

Loan Growth Rate

growth

Value: -4.33%

Peer Median: 3.02%

#901 of 1024 Bottom 12.1% in 100M-500M tier

866

Total Deposits

balance_sheet

Value: $107.20M

Peer Median: $170.77M

#866 of 1024 Bottom 15.5% in 100M-500M tier

864

Member Growth Rate

growth

Value: -3.66%

Peer Median: -0.03%

#864 of 1024 Bottom 15.7% in 100M-500M tier

860

Total Members

engagement

Value: 7,612

Peer Median: 13,128

#860 of 1024 Bottom 16.1% in 100M-500M tier

824

Total Assets

balance_sheet

Value: $131.07M

Peer Median: $196.38M

#824 of 1024 Bottom 19.6% in 100M-500M tier