BlastPoint's Credit Union Scorecard

CLINCHFIELD

Charter #5549 · TN

100M-500M
1070 CUs in 100M-500M nationally 25 in TN

CLINCHFIELD has 5 strengths but faces 2 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

  • + Organic Growth Engine: Top 50.0% in tier
  • + Wallet Share Momentum: Top 50.0% in tier
  • + Organic Growth Leader: Top 50.0% in tier
  • + ROA 0.17% above tier average
  • + Total Delinquency Rate (60+ days): Top 8.0% in tier

Key Concerns

Areas that may need attention

  • - First Mortgage Concentration (%): Bottom 7.1% in tier
  • - Total Members: Bottom 8.9% in tier

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (TN) National Avg Tier Percentile
Members 6,530
+0.9% YoY+0.1% QoQ
 -8.6K 15,145
-2.5% YoY
 21,412
+3.7% YoY
 33,913
+5.7% YoY
 Bottom 8.8% in tier
Assets $138.5M
+6.9% YoY+2.7% QoQ
 $-93.2M $231.7M
+0.8% YoY
 $379.6M
+8.7% YoY
 $578.3M
+9.0% YoY
 25%
Loans $66.2M
+6.9% YoY+4.7% QoQ
 $-77.9M $144.1M
+0.2% YoY
 $279.0M
+7.7% YoY
 $402.4M
+8.7% YoY
 Bottom 14.4% in tier
Deposits $121.4M
+6.4% YoY+3.0% QoQ
 $-79.7M $201.1M
+0.4% YoY
 $319.1M
+8.0% YoY
 $494.3M
+9.1% YoY
 25%

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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 0.9%
-8.7% YoY-16.5% QoQ
 +0.2% 0.7%
+5.1% YoY
 0.6%
-5.0% YoY
 0.4%
-39.2% YoY
 64%
NIM 3.2%
+8.9% YoY+4.2% QoQ
 -0.4% 3.6%
+4.6% YoY
 3.9%
+5.1% YoY
 3.8%
+4.1% YoY
 26%
Efficiency Ratio 76.0%
+4.5% YoY+2.5% QoQ
 -2.0% 78.0%
-1.7% YoY
 79.6%
+1.7% YoY
 84.6%
+2.8% YoY
 41%
Delinquency Rate 0.1%
-3.6% YoY-81.3% QoQ
 -0.7 0.8%
+7.1% YoY
 0.9%
-14.5% YoY
 1.2%
+3.4% YoY
 Top 8.0% in tier
Loan To Share 54.6%
+0.5% YoY+1.7% QoQ
 -15.9% 70.4%
-0.4% YoY
 68.3%
-1.5% YoY
 65.6%
-1.4% YoY
 17%
AMR $28,731
+5.6% YoY+3.5% QoQ
 +$4K $24,918
+2.7% YoY
 $18,957
+3.0% YoY
 $19,920
+1.6% YoY
 77%
CD Concentration 26.5%
+4.0% YoY+3.3% QoQ
 +2.2% 24.3% 22.3% 19.8% 50%
Indirect Auto % 0.0% -13.8% 13.8% 6.8% 7.7% 50%

Signature Analysis

Strengths (3)

Organic Growth Engine

growth
#247 of 352 • Top 50.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 0.90%
(Tier: 0.72%, National: 10.19%)
better than tier avg
Return on Assets: 0.89%
(Tier: 0.72%, National: 0.39%)
better than tier avg
Indirect Auto %: 0.00%
(Tier: 13.80%, National: 7.73%)
better than tier avg
352 of 1070 Mid-Small & Community CUs have this signature | 499 nationally
→ No prior data (352 CUs now) | New qualifier

Wallet Share Momentum

growth
#419 of 491 • 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): 5.60%
(Tier: 3.74%, National: 6.36%)
better than tier avg
491 of 1070 Mid-Small & Community CUs have this signature | 637 nationally
↑ Growing +107 CUs YoY | New qualifier

Organic Growth Leader

growth
#329 of 371 • Top 50.0% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.

Why This Signature
Member Growth (YoY): 0.90%
(Tier: 0.72%, National: 10.19%)
better than tier avg
Indirect Auto %: 0.00%
(Tier: 13.80%, National: 7.73%)
better than tier avg
371 of 1070 Mid-Small & Community CUs have this signature | 518 nationally
→ No prior data (371 CUs now) | New qualifier

Concerns (0)

No concerns identified

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 1070 peers in tier

Top Strengths (3 metrics)

1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Median: 6.61%
#1 of 1070 Top 0.1% in 100M-500M tier
87
Total Delinquency Rate (60+ days)
risk
Value: 0.12%
Peer Median: 0.61%
#87 of 1070 Top 8.0% in 100M-500M tier
245
Average Member Relationship (AMR)
engagement
Value: $28,731
Peer Median: $22,931
#245 of 1070 Top 22.8% in 100M-500M tier

Top Weaknesses (5 metrics)

995
First Mortgage Concentration (%)
balance_sheet
Value: 57.58%
Peer Median: 29.47%
#995 of 1070 Bottom 7.1% in 100M-500M tier
976
Total Members
engagement
Value: 6,530
Peer Median: 13,200
#976 of 1070 Bottom 8.9% in 100M-500M tier
916
Total Loans
balance_sheet
Value: $66.22M
Peer Median: $121.41M
#916 of 1070 Bottom 14.5% in 100M-500M tier
886
Loan-to-Share Ratio
balance_sheet
Value: 54.55%
Peer Median: 71.88%
#886 of 1070 Bottom 17.3% in 100M-500M tier
804
Total Assets
balance_sheet
Value: $138.54M
Peer Median: $196.57M
#804 of 1070 Bottom 25.0% in 100M-500M tier
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