BlastPoint's Credit Union Scorecard
FORTERA
Charter #9759 · TN
FORTERA has 4 strengths but faces 4 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 60.8% in tier
- + ROA 0.08% above tier average
- + Net Interest Margin 0.74% above tier average
- + Total Members: Top 4.3% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 60.2% in tier
- - Liquidity Strain: Bottom 87.2% in tier
- - Efficiency ratio 1.63% above tier (higher cost structure)
- - Average Member Relationship (AMR): Bottom 6.0% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
83,454
+3.0% YoY+0.5% QoQ
|
+31.4K |
52,084
-1.6% YoY
|
21,265
+4.5% YoY
|
33,374
+5.7% YoY
|
Top 5.1% in tier |
| Assets |
$927.8M
+6.3% YoY+1.5% QoQ
|
+$63.9M |
$863.9M
+0.5% YoY
|
$372.5M
+10.3% YoY
|
$561.6M
+9.7% YoY
|
78% |
| Loans |
$722.2M
+5.5% YoY-0.0% QoQ
|
+$116.4M |
$605.8M
+1.4% YoY
|
$275.7M
+8.6% YoY
|
$397.0M
+8.8% YoY
|
Top 13.7% in tier |
| Deposits |
$795.9M
+6.5% YoY+2.9% QoQ
|
+$58.6M |
$737.3M
+0.1% YoY
|
$312.1M
+9.5% YoY
|
$477.3M
+9.7% YoY
|
74% |
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| ROA |
0.8%
+20.3% YoY+1.1% QoQ
|
+0.1% |
0.7%
+39.1% YoY
|
0.7%
-5.8% YoY
|
0.7%
+15.9% YoY
|
59% |
| NIM |
4.1%
+5.1% YoY+0.7% QoQ
|
+0.7% |
3.4%
+8.7% YoY
|
3.8%
+3.7% YoY
|
3.8%
+5.1% YoY
|
Top 11.1% in tier |
| Efficiency Ratio |
76.0%
-1.6% YoY-1.0% QoQ
|
+1.6% |
74.3%
-3.6% YoY
|
79.4%
+2.9% YoY
|
79.7%
-3.3% YoY
|
50% |
| Delinquency Rate |
0.8%
-6.7% YoY+5.4% QoQ
|
-0.1 |
0.9%
+3.8% YoY
|
1.1%
-12.6% YoY
|
1.3%
-2.1% YoY
|
61% |
| Loan To Share |
90.7%
-1.0% YoY-2.8% QoQ
|
+8.2% |
82.6%
+1.1% YoY
|
70.0%
-2.2% YoY
|
67.4%
-1.7% YoY
|
68% |
| AMR |
$18,190
+2.9% YoY+1.0% QoQ
|
$-11K |
$28,873
+2.7% YoY
|
$18,770
+3.9% YoY
|
$19,687
+2.0% YoY
|
Bottom 5.1% in tier |
| CD Concentration |
32.0%
-2.2% YoY-1.9% QoQ
|
+7.5% | 24.4% | 22.4% | 19.8% | 76% |
| Indirect Auto % |
25.1%
-7.6% YoY-2.9% QoQ
|
+11.3% | 13.8% | 6.7% | 7.8% | 78% |
Signature Analysis
Strengths (1)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (2)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
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)