BlastPoint's Credit Union Scorecard

UPPER CUMBERLAND

Charter #832 · TN

100M-500M

1069 CUs in 100M-500M nationally 25 in TN

UPPER CUMBERLAND has 8 strengths but faces 6 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

+ Wallet Share Momentum: Top 50.0% in tier
+ Emerging Performer: Top 50.0% in tier
+ Net Interest Margin 0.24% above tier average
+ Strong member growth: 6.5% YoY
+ Loan Growth Rate: Top 1.1% in tier
+ Share Certificate Concentration (%): Top 3.2% in tier
+ Member Growth Rate: Top 6.3% in tier
+ AMR Growth Rate: Top 9.4% in tier

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 50.0% in tier
- Efficiency Drag: Bottom 50.0% in tier
- Indirect Auto Dependency: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- ROA 0.10% below tier average
- Efficiency ratio 5.61% above tier (higher cost structure)

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (TN)	National Avg	Tier Percentile
Members	9,259 +6.5% YoY+1.3% QoQ	-6.2K	15,437 -2.9% YoY	21,265 +4.5% YoY	33,374 +5.7% YoY	25%
Assets	$133.2M +7.4% YoY-0.1% QoQ	$-98.7M	$231.9M +1.3% YoY	$372.5M +10.3% YoY	$561.6M +9.7% YoY	22%
Loans	$103.5M +33.7% YoY+4.7% QoQ	$-43.8M	$147.3M -0.1% YoY	$275.7M +8.6% YoY	$397.0M +8.8% YoY	37%
Deposits	$118.4M +6.5% YoY-0.3% QoQ	$-82.4M	$200.8M +0.8% YoY	$312.1M +9.5% YoY	$477.3M +9.7% YoY	23%

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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	0.7% -4.4% YoY-51.5% QoQ	-0.1%	0.8% +18.2% YoY	0.7% -5.8% YoY	0.7% +15.9% YoY	42%
NIM	3.8% +18.9% YoY+1.9% QoQ	+0.2%	3.6% +6.7% YoY	3.8% +3.7% YoY	3.8% +5.1% YoY	64%
Efficiency Ratio	82.6% +2.4% YoY+20.1% QoQ	+5.6%	77.0% -3.1% YoY	79.4% +2.9% YoY	79.7% -3.3% YoY	70%
Delinquency Rate	0.3% +68.9% YoY+30.4% QoQ	-0.6	0.9% +4.2% YoY	1.1% -12.6% YoY	1.3% -2.1% YoY	Top 12.4% in tier
Loan To Share	87.4% +25.6% YoY+5.0% QoQ	+15.2%	72.2% -1.1% YoY	70.0% -2.2% YoY	67.4% -1.7% YoY	80%
AMR	$23,971 +10.5% YoY+0.7% QoQ	$-705	$24,676 +3.4% YoY	$18,770 +3.9% YoY	$19,687 +2.0% YoY	58%
CD Concentration	3.1% +11.2% YoY+7.7% QoQ	-21.4%	24.4%	22.4%	19.8%	50%
Indirect Auto %	21.7% +125.2% YoY+14.7% QoQ	+7.9%	13.8%	6.7%	7.8%	50%

Signature Analysis

Strengths (2)

Wallet Share Momentum

growth

#128 of 513 • Top 50.0% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 10.51%

(Tier: 4.17%, National: 4.00%)

better than tier avg

513 of 1069 Mid-Small & Community CUs have this signature | 662 nationally

↑ Growing +180 CUs YoY | Rank improving

Emerging Performer

growth

#101 of 182 • Top 50.0% in tier

Smaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.

Why This Signature

Return on Assets: 0.66%

(Tier: 0.75%, National: 0.67%)

but worse than tier avg

Member Growth (YoY): 6.46%

(Tier: 0.69%, National: 4.32%)

better than tier avg

182 of 1069 Mid-Small & Community CUs have this signature | 282 nationally

→ No prior data (182 CUs now) | New qualifier

Concerns (4)

Credit Risk Growth

risk

#113 of 456 • Bottom 50.0% in tier

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

Why This Signature

Loan Growth (YoY): 33.74%

(Tier: 4.11%, National: 111.96%)

but better than tier avg

Delinquency Change (YoY): 0.10% points

(Tier: 0.03% points, National: 0.06% points)

worse than tier avg

456 of 1069 Mid-Small & Community CUs have this signature | 665 nationally

→ No prior data (456 CUs now) | New qualifier

Efficiency Drag

risk

#351 of 538 • Bottom 50.0% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 82.63%

(Tier: 76.88%, National: 79.67%)

worse than tier avg

ROA Change (YoY): -0.03% points

(Tier: 0.11% points, National: 0.02% points)

worse than tier avg

Member Growth (YoY): 6.46%

(Tier: 0.69%, National: 4.32%)

but better than tier avg

538 of 1069 Mid-Small & Community CUs have this signature | 633 nationally

↓ Shrinking -98 CUs YoY | Rank improving

Indirect Auto Dependency

risk

#364 of 506 • Bottom 50.0% in tier

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

Why This Signature

Asset Growth (YoY): 7.37%

(Tier: 5.37%, National: 3.54%)

but better than tier avg

Indirect Auto %: 21.69%

(Tier: 13.79%, National: 7.78%)

worse than tier avg

Member Growth (YoY): 6.46%

(Tier: 0.69%, National: 4.32%)

but better than tier avg

506 of 1069 Mid-Small & Community CUs have this signature | 745 nationally

↓ Shrinking -35 CUs YoY | New qualifier

Credit Quality Pressure

risk

#508 of 705 • 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): 0.10% points

(Tier: 0.03% points, National: 0.06% points)

worse than tier avg

705 of 1069 Mid-Small & Community CUs have this signature | 969 nationally

↓ Shrinking -150 CUs YoY | Rank improving

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 1069 peers in tier

Top Strengths (7 metrics)

Loan Growth Rate

growth

Value: 33.74%

Peer Median: -

#13 of 1069 Top 1.1% in 100M-500M tier

Share Certificate Concentration (%)

balance_sheet

Value: 3.06%

Peer Median: -

#35 of 1069 Top 3.2% in 100M-500M tier

Member Growth Rate

growth

Value: 6.46%

Peer Median: -

#68 of 1069 Top 6.3% in 100M-500M tier

102

AMR Growth Rate

growth

Value: 10.51%

Peer Median: -

#102 of 1069 Top 9.4% in 100M-500M tier

118

Net Charge-Off Rate

risk

Value: 0.08%

Peer Median: -

#118 of 1069 Top 10.9% in 100M-500M tier

134

Total Delinquency Rate (60+ days)

risk

Value: 0.26%

Peer Median: -

#134 of 1069 Top 12.4% in 100M-500M tier

217

Loan-to-Share Ratio

balance_sheet

Value: 87.44%

Peer Median: -

#217 of 1069 Top 20.2% in 100M-500M tier

Top Weaknesses (5 metrics)

920

Members Per Employee (MPE)

engagement

Value: 237.410

Peer Median: -

#920 of 1069 Bottom 14.0% in 100M-500M tier

834

Net Worth Ratio

risk

Value: 9.63%

Peer Median: -

#834 of 1069 Bottom 22.1% in 100M-500M tier

834

Total Assets

balance_sheet

Value: $133.21M

Peer Median: -

#834 of 1069 Bottom 22.1% in 100M-500M tier

819

Total Deposits

balance_sheet

Value: $118.41M

Peer Median: -

#819 of 1069 Bottom 23.5% in 100M-500M tier

805

Indirect Auto Concentration (%)

balance_sheet

Value: 21.69%

Peer Median: -

#805 of 1069 Bottom 24.8% in 100M-500M tier