BlastPoint's Credit Union Scorecard
FORTERA
Charter #9759 · TN
FORTERA has 4 strengths but faces 6 concerns
How does the industry compare?
What's your peer group doing?
How does TN stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 19.1% in tier
- + ROA 0.10% above tier average
- + Net Interest Margin 0.73% above tier average
- + Total Members: Top 3.6% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 19.6% in tier
- - Credit Risk Growth: Bottom 20.6% in tier
- - Credit Quality Pressure: Bottom 22.0% in tier
- - Indirect Auto Dependency: Bottom 24.8% in tier
- - Efficiency ratio 2.23% above tier (higher cost structure)
- - Average Member Relationship (AMR): Bottom 6.2% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
83,068
+3.3% YoY+0.6% QoQ
|
+31.0K |
52,114
-2.1% YoY
|
21,139
+4.9% YoY
|
33,089
+6.1% YoY
|
Top 4.5% in tier |
| Assets |
$914.3M
+3.4% YoY+1.2% QoQ
|
+$55.3M |
$859.0M
+0.0% YoY
|
$362.5M
+9.5% YoY
|
$547.7M
+7.8% YoY
|
77% |
| Loans |
$722.2M
+6.4% YoY+0.9% QoQ
|
+$118.8M |
$603.4M
+1.0% YoY
|
$271.1M
+9.1% YoY
|
$388.7M
+8.6% YoY
|
Top 12.5% in tier |
| Deposits |
$773.3M
+5.6% YoY-1.7% QoQ
|
+$39.1M |
$734.2M
+0.9% YoY
|
$303.0M
+8.7% YoY
|
$464.6M
+9.3% YoY
|
72% |
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| ROA |
0.8%
+19.8% YoY+5.0% QoQ
|
+0.1% |
0.7%
+27.6% YoY
|
0.8%
+4.1% YoY
|
0.7%
+273.4% YoY
|
61% |
| NIM |
4.1%
+5.9% YoY+1.7% QoQ
|
+0.7% |
3.4%
+9.6% YoY
|
3.8%
+5.1% YoY
|
3.7%
+5.0% YoY
|
Top 10.7% in tier |
| Efficiency Ratio |
76.7%
-0.8% YoY-1.4% QoQ
|
+2.2% |
74.5%
-3.2% YoY
|
75.4%
-1.8% YoY
|
79.1%
-3.3% YoY
|
49% |
| Delinquency Rate |
0.8%
+9.3% YoY+21.9% QoQ
|
-0.0 |
0.8%
+5.0% YoY
|
1.1%
+8.5% YoY
|
1.2%
-0.9% YoY
|
62% |
| Loan To Share |
93.4%
+0.8% YoY+2.7% QoQ
|
+10.7% |
82.7%
+0.1% YoY
|
70.4%
-2.4% YoY
|
68.0%
-1.7% YoY
|
77% |
| AMR |
$18,003
+2.6% YoY-1.1% QoQ
|
$-11K |
$28,651
+2.5% YoY
|
$18,470
+2.4% YoY
|
$19,418
+1.3% YoY
|
Bottom 5.4% in tier |
| CD Concentration |
32.6%
+2.1% YoY-3.9% QoQ
|
+8.2% |
24.4%
+4.2% YoY
|
22.3%
+6.6% YoY
|
19.6%
+6.2% YoY
|
78% |
| Indirect Auto % |
25.8%
-5.9% YoY-3.7% QoQ
|
+11.8% |
14.0%
-5.7% YoY
|
6.9%
+1.1% YoY
|
7.9%
-2.9% YoY
|
78% |
Signature Analysis
Strengths (1)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (4)
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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)