BlastPoint's Credit Union Scorecard

FORTERA

Charter #9759 · TN

Community 750M-1B
117 CUs in 750M-1B nationally 3 in TN
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FORTERA has 4 strengths but faces 5 concerns

National Analysis

How does the industry compare?
Community Tier

What's your peer group doing?
TN Analysis

How does TN stack up?

Key Strengths

Areas where this CU excels compared to peers

  • + ROA 1.34% above tier average
  • + Net Interest Margin 0.68% above tier average
  • + Total Members: Top 3.4% in tier
  • + Fee Income Per Member: Top 5.1% in tier

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 30.4% in tier
  • - Indirect Auto Dependency: Bottom 43.7% in tier
  • - Credit Risk Growth: Bottom 51.9% in tier
  • - Delinquency rate 0.07% above tier average
  • - Average Member Relationship (AMR): Bottom 6.0% in tier

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (TN) National Avg Tier Percentile
Members 83,977
+2.8% YoY+0.6% QoQ
 +32.5K 51,500
+0.7% YoY
 21,412
+3.7% YoY
 33,913
+5.7% YoY
 Top 4.3% in tier
Assets $938.9M
+4.9% YoY+1.2% QoQ
 +$73.3M $865.6M
+0.9% YoY
 $379.6M
+8.7% YoY
 $578.3M
+9.0% YoY
 80%
Loans $718.3M
+2.9% YoY-0.5% QoQ
 +$123.1M $595.3M
+1.6% YoY
 $279.0M
+7.7% YoY
 $402.4M
+8.7% YoY
 Top 13.7% in tier
Deposits $812.4M
+4.0% YoY+2.1% QoQ
 +$70.2M $742.2M
+0.6% YoY
 $319.1M
+8.0% YoY
 $494.3M
+9.1% YoY
 77%

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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 2.1%
+269.3% YoY+154.9% QoQ
 +1.3% 0.8%
+45.0% YoY
 0.6%
-5.0% YoY
 0.4%
-39.2% YoY
 Top 3.4% in tier
NIM 4.1%
+4.8% YoY+0.0% QoQ
 +0.7% 3.5%
+6.1% YoY
 3.9%
+5.1% YoY
 3.8%
+4.1% YoY
 Top 11.1% in tier
Efficiency Ratio 61.5%
-23.3% YoY-19.0% QoQ
 -14.0% 75.5%
-3.4% YoY
 79.6%
+1.7% YoY
 84.6%
+2.8% YoY
 Top 13.7% in tier
Delinquency Rate 0.7%
+25.0% YoY-10.0% QoQ
 +0.1 0.7%
-0.1% YoY
 0.9%
-14.5% YoY
 1.2%
+3.4% YoY
 68%
Loan To Share 88.4%
-1.1% YoY-2.6% QoQ
 +7.8% 80.6%
+0.7% YoY
 68.3%
-1.5% YoY
 65.6%
-1.4% YoY
 63%
AMR $18,228
+0.7% YoY+0.2% QoQ
 $-11K $28,908
+0.7% YoY
 $18,957
+3.0% YoY
 $19,920
+1.6% YoY
 Bottom 5.1% in tier
CD Concentration 31.7%
-4.8% YoY-0.8% QoQ
 +7.4% 24.3% 22.3% 19.8% 76%
Indirect Auto % 24.1%
-11.0% YoY-3.8% QoQ
 +10.3% 13.8% 6.8% 7.7% 77%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (3)

Credit Quality Pressure

risk
#406 of 727 • Bottom 30.4% in tier

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

Why This Signature
Delinquency Change (YoY): 0.15% points
(Tier: 0.03% points, National: 0.12% points)
worse than tier avg
1013 nationally
↓ Shrinking -60 CUs YoY | New qualifier

Indirect Auto Dependency

risk
#349 of 504 • Bottom 43.7% in tier

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

Why This Signature
Asset Growth (YoY): 4.87%
(Tier: 4.68%, National: 1663.40%)
but better than tier avg
Indirect Auto %: 24.11%
(Tier: 13.80%, National: 7.73%)
worse than tier avg
Member Growth (YoY): 2.76%
(Tier: 0.72%, National: 10.19%)
but better than tier avg
745 nationally
↓ Shrinking -29 CUs YoY | Rank worsening

Credit Risk Growth

risk
#356 of 476 • Bottom 51.9% in tier

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

Why This Signature
Loan Growth (YoY): 2.89%
(Tier: 4.14%, National: 1.74%)
worse than tier avg
Delinquency Change (YoY): 0.15% points
(Tier: 0.03% points, National: 0.12% points)
worse than tier avg
710 nationally
→ No prior data (476 CUs now) | 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)

Comparing against 117 peers in tier

Top Strengths (10 metrics)

4
Return on Assets (ROA)
profitability
Value: 2.10%
Peer Median: 0.63%
#4 of 117 Top 2.6% in 750M-1B tier
5
Total Members
engagement
Value: 83,977
Peer Median: 51,712
#5 of 117 Top 3.4% in 750M-1B tier
7
Fee Income Per Member
profitability
Value: $368.65
Peer Median: $187.56
#7 of 117 Top 5.1% in 750M-1B tier
13
Net Interest Margin (NIM)
profitability
Value: 4.13%
Peer Median: 3.47%
#13 of 117 Top 10.3% in 750M-1B tier
16
Total Loans
balance_sheet
Value: $718.34M
Peer Median: $618.21M
#16 of 117 Top 12.8% in 750M-1B tier
17
Efficiency Ratio
profitability
Value: 61.52%
Peer Median: 77.38%
#17 of 117 Top 13.7% in 750M-1B tier
21
Members Per Employee (MPE)
engagement
Value: 426.279
Peer Median: 328.468
#21 of 117 Top 17.1% in 750M-1B tier
23
Total Assets
balance_sheet
Value: $938.88M
Peer Median: $858.87M
#23 of 117 Top 18.8% in 750M-1B tier
27
Total Deposits
balance_sheet
Value: $812.43M
Peer Median: $735.65M
#27 of 117 Top 22.2% in 750M-1B tier
28
Net Worth Ratio
risk
Value: 12.58%
Peer Median: 10.69%
#28 of 117 Top 23.1% in 750M-1B tier

Top Weaknesses (4 metrics)

111
Average Member Relationship (AMR)
engagement
Value: $18,228
Peer Median: $26,209
#111 of 117 Bottom 6.0% in 750M-1B tier
103
Net Charge-Off Rate
risk
Value: 1.12%
Peer Median: 0.47%
#103 of 117 Bottom 12.8% in 750M-1B tier
102
Loan-to-Member Ratio (LMR)
engagement
Value: $8,554
Peer Median: $11,598
#102 of 117 Bottom 13.7% in 750M-1B tier
91
AMR Growth Rate
growth
Value: 0.71%
Peer Median: 3.70%
#91 of 117 Bottom 23.1% in 750M-1B tier
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