BlastPoint's Credit Union Scorecard
CLINCHFIELD
Charter #5549 · TN
CLINCHFIELD has 2 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 50.0% in tier
- + ROA 0.20% above tier average
Key Concerns
Areas that may need attention
- - Margin Compression: Bottom 50.0% in tier
- - First Mortgage Concentration (%): Bottom 8.2% in tier
- - Total Members: Bottom 9.5% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 25 that size in Tennessee.
- Shares and deposits +7.7% year over year ($123M in shares and deposits).
- Membership: 6,556 members, +0.3% vs a year ago.
- Delinquency rate 0.25%.
- Return on assets 1.06%.
- Efficiency ratio 76.10% vs a 76.73% peer average.
- Loan-to-share ratio 54.55% vs a 71.54% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
6,556
+0.3% YoY+0.4% QoQ
|
-8.6K |
15,168
-2.6% YoY
|
22,058
+4.8% YoY
|
34,678
+6.6% YoY
|
Bottom 9.4% in tier |
| Assets |
$140.3M
+7.8% YoY+1.3% QoQ
|
$-91.7M |
$232.0M
+0.7% YoY
|
$390.3M
+9.5% YoY
|
$593.1M
+10.2% YoY
|
26% |
| Loans |
$67.0M
+8.8% YoY+1.2% QoQ
|
$-79.3M |
$146.3M
+0.2% YoY
|
$289.3M
+8.5% YoY
|
$418.6M
+10.1% YoY
|
Bottom 14.7% in tier |
| Deposits |
$122.8M
+7.7% YoY+1.2% QoQ
|
$-77.9M |
$200.7M
+0.2% YoY
|
$326.4M
+8.9% YoY
|
$504.8M
+10.3% YoY
|
26% |
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| ROA |
1.1%
-10.3% YoY+18.5% QoQ
|
+0.2% |
0.9%
+12.5% YoY
|
1.1%
+46.9% YoY
|
1.2%
+121.4% YoY
|
68% |
| NIM |
3.2%
+6.3% YoY-0.5% QoQ
|
-0.5% |
3.7%
+4.5% YoY
|
3.9%
+2.1% YoY
|
3.8%
+2.3% YoY
|
22% |
| Efficiency Ratio |
76.1%
+5.0% YoY+0.1% QoQ
|
-0.6% |
76.7%
-0.8% YoY
|
78.9%
+2.6% YoY
|
83.0%
-5.3% YoY
|
46% |
| Delinquency Rate |
0.2%
-47.7% YoY+106.4% QoQ
|
-0.6 |
0.9%
+6.6% YoY
|
1.1%
-1.7% YoY
|
1.3%
+2.6% YoY
|
Top 14.6% in tier |
| Loan To Share |
54.6%
+1.0% YoY-0.0% QoQ
|
-17.0% |
71.5%
-0.3% YoY
|
68.7%
-1.7% YoY
|
66.4%
-1.4% YoY
|
16% |
| AMR |
$28,953
+7.8% YoY+0.8% QoQ
|
+$4K |
$25,107
+3.2% YoY
|
$19,228
+3.5% YoY
|
$20,028
-0.9% YoY
|
77% |
| CD Concentration |
26.7%
+5.1% YoY+0.8% QoQ
|
+2.1% | 24.6% | 22.4% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 6.8% | 7.7% | 50% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (1)
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.
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)