BlastPoint's Credit Union Scorecard
F A A
Charter #9639 · TN
F A A has 4 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.15% above tier average
- + Net Interest Margin 0.76% above tier average
- + Net Worth Ratio: Top 4.6% in tier
- + Share Certificate Concentration (%): Top 6.6% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 50.0% in tier
- - Stagnation Risk: Bottom 50.0% in tier
- - Liquidity Overhang: Bottom 50.0% in tier
- - Membership Headwinds: Bottom 50.0% in tier
- - Margin Compression: Bottom 50.0% in tier
- - Institutional Decline: Bottom 50.0% in tier
- - Delinquency rate 0.13% above tier average
- - Member decline: -4.0% YoY
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
7,656
-4.0% YoY-0.7% QoQ
|
-7.5K |
15,145
-2.5% YoY
|
21,412
+3.7% YoY
|
33,913
+5.7% YoY
|
16% |
| Assets |
$130.2M
+4.4% YoY+2.7% QoQ
|
$-101.5M |
$231.7M
+0.8% YoY
|
$379.6M
+8.7% YoY
|
$578.3M
+9.0% YoY
|
20% |
| Loans |
$44.9M
-3.4% YoY-1.7% QoQ
|
$-99.2M |
$144.1M
+0.2% YoY
|
$279.0M
+7.7% YoY
|
$402.4M
+8.7% YoY
|
Bottom 4.1% in tier |
| Deposits |
$106.3M
+2.3% YoY+2.9% QoQ
|
$-94.8M |
$201.1M
+0.4% YoY
|
$319.1M
+8.0% YoY
|
$494.3M
+9.1% YoY
|
Bottom 14.7% in tier |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
1.9%
-9.6% YoY+4.0% QoQ
|
+1.2% |
0.7%
+5.1% YoY
|
0.6%
-5.0% YoY
|
0.4%
-39.2% YoY
|
Top 5.0% in tier |
| NIM |
4.4%
+9.6% YoY+6.4% QoQ
|
+0.8% |
3.6%
+4.6% YoY
|
3.9%
+5.1% YoY
|
3.8%
+4.1% YoY
|
Top 11.8% in tier |
| Efficiency Ratio |
64.6%
-4.7% YoY-3.8% QoQ
|
-13.4% |
78.0%
-1.7% YoY
|
79.6%
+1.7% YoY
|
84.6%
+2.8% YoY
|
Top 14.3% in tier |
| Delinquency Rate |
0.9%
+283.7% YoY-14.4% QoQ
|
+0.1 |
0.8%
+7.1% YoY
|
0.9%
-14.5% YoY
|
1.2%
+3.4% YoY
|
72% |
| Loan To Share |
42.2%
-5.6% YoY-4.5% QoQ
|
-28.2% |
70.4%
-0.4% YoY
|
68.3%
-1.5% YoY
|
65.6%
-1.4% YoY
|
Bottom 5.8% in tier |
| AMR |
$19,750
+4.8% YoY+2.2% QoQ
|
$-5K |
$24,918
+2.7% YoY
|
$18,957
+3.0% YoY
|
$19,920
+1.6% YoY
|
31% |
| CD Concentration |
7.4%
+10.8% YoY+2.5% QoQ
|
-16.9% | 24.3% | 22.3% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 6.8% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (6)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Liquidity Overhang
riskExceptional capital position (>16%, top quartile). Strong fundamentals—opportunity to deploy capital more productively.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
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)