BlastPoint's Credit Union Scorecard
CLINCHFIELD
Charter #5549 · TN
CLINCHFIELD has 6 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 21.1% in tier
- + Organic Growth Leader: Top 31.1% in tier
- + Credit Quality Leader: Top 72.3% in tier
- + Profitability Leader: Top 80.8% in tier
- + ROA 0.41% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - First Mortgage Concentration (%): Bottom 6.5% in tier
- - Total Members: Bottom 7.7% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
6,538
+0.7% YoY-0.0% QoQ
|
-9.1K |
15,628
-3.4% YoY
|
21,139
+4.9% YoY
|
33,089
+6.1% YoY
|
Bottom 7.6% in tier |
| Assets |
$130.2M
+2.0% YoY+0.0% QoQ
|
$-101.1M |
$231.3M
-0.0% YoY
|
$362.5M
+9.5% YoY
|
$547.7M
+7.8% YoY
|
20% |
| Loans |
$62.0M
-0.3% YoY+0.6% QoQ
|
$-85.8M |
$147.8M
-1.4% YoY
|
$271.1M
+9.1% YoY
|
$388.7M
+8.6% YoY
|
Bottom 10.8% in tier |
| Deposits |
$113.5M
+0.8% YoY-0.5% QoQ
|
$-86.8M |
$200.3M
-0.0% YoY
|
$303.0M
+8.7% YoY
|
$464.6M
+9.3% YoY
|
20% |
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| ROA |
1.2%
+49.1% YoY+1.7% QoQ
|
+0.4% |
0.8%
+15.5% YoY
|
0.8%
+4.1% YoY
|
0.7%
+273.4% YoY
|
78% |
| NIM |
3.1%
+10.1% YoY+2.6% QoQ
|
-0.5% |
3.6%
+6.9% YoY
|
3.8%
+5.1% YoY
|
3.7%
+5.0% YoY
|
23% |
| Efficiency Ratio |
71.3%
-4.0% YoY-1.6% QoQ
|
-6.0% |
77.3%
-3.0% YoY
|
75.4%
-1.8% YoY
|
79.1%
-3.3% YoY
|
29% |
| Delinquency Rate |
0.3%
-28.7% YoY-34.8% QoQ
|
-0.6 |
0.9%
+7.6% YoY
|
1.1%
+8.5% YoY
|
1.2%
-0.9% YoY
|
19% |
| Loan To Share |
54.6%
-1.2% YoY+1.1% QoQ
|
-18.1% |
72.7%
-1.5% YoY
|
70.4%
-2.4% YoY
|
68.0%
-1.7% YoY
|
Bottom 14.3% in tier |
| AMR |
$26,841
-0.2% YoY-0.1% QoQ
|
+$2K |
$24,363
+2.9% YoY
|
$18,470
+2.4% YoY
|
$19,418
+1.3% YoY
|
73% |
| CD Concentration |
26.2%
+10.1% YoY+3.3% QoQ
|
+1.8% |
24.4%
+4.2% YoY
|
22.3%
+6.6% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
6.9%
+1.1% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (4)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Profitability Leader
growthTop-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.
Concerns (0)
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)