BlastPoint's Credit Union Scorecard
KIMBERLY CLARK
Charter #60928 · TN
KIMBERLY CLARK has 1 strength but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Worth Ratio: Top 1.9% in tier
Key Concerns
Areas that may need attention
- - Stagnation Risk: Bottom 50.0% in tier
- - Liquidity Overhang: Bottom 50.0% in tier
- - Membership Headwinds: Bottom 50.0% in tier
- - Credit Quality Pressure: Bottom 50.0% in tier
- - Institutional Decline: Bottom 50.0% in tier
- - ROA 0.19% below tier average
- - Delinquency rate 0.28% above tier average
- - Member decline: -4.2% YoY
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
8,240
-4.2% YoY+0.4% QoQ
|
-6.9K |
15,145
-2.5% YoY
|
21,412
+3.7% YoY
|
33,913
+5.7% YoY
|
20% |
| Assets |
$145.9M
+1.7% YoY+2.3% QoQ
|
$-85.8M |
$231.7M
+0.8% YoY
|
$379.6M
+8.7% YoY
|
$578.3M
+9.0% YoY
|
29% |
| Loans |
$81.1M
-1.7% YoY+0.4% QoQ
|
$-63.0M |
$144.1M
+0.2% YoY
|
$279.0M
+7.7% YoY
|
$402.4M
+8.7% YoY
|
25% |
| Deposits |
$112.5M
+1.1% YoY+2.5% QoQ
|
$-88.6M |
$201.1M
+0.4% YoY
|
$319.1M
+8.0% YoY
|
$494.3M
+9.1% YoY
|
19% |
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| ROA |
0.5%
+110.2% YoY+24.9% QoQ
|
-0.2% |
0.7%
+5.1% YoY
|
0.6%
-5.0% YoY
|
0.4%
-39.2% YoY
|
38% |
| NIM |
3.4%
+2.4% YoY-0.9% QoQ
|
-0.2% |
3.6%
+4.6% YoY
|
3.9%
+5.1% YoY
|
3.8%
+4.1% YoY
|
39% |
| Efficiency Ratio |
73.8%
-8.0% YoY-4.9% QoQ
|
-4.2% |
78.0%
-1.7% YoY
|
79.6%
+1.7% YoY
|
84.6%
+2.8% YoY
|
33% |
| Delinquency Rate |
1.1%
+15.3% YoY-32.3% QoQ
|
+0.3 |
0.8%
+7.1% YoY
|
0.9%
-14.5% YoY
|
1.2%
+3.4% YoY
|
78% |
| Loan To Share |
72.1%
-2.8% YoY-2.0% QoQ
|
+1.7% |
70.4%
-0.4% YoY
|
68.3%
-1.5% YoY
|
65.6%
-1.4% YoY
|
50% |
| AMR |
$23,501
+4.3% YoY+1.2% QoQ
|
$-1K |
$24,918
+2.7% YoY
|
$18,957
+3.0% YoY
|
$19,920
+1.6% YoY
|
54% |
| CD Concentration |
31.5%
-1.1% YoY-1.8% QoQ
|
+7.3% | 24.3% | 22.3% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 6.8% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (5)
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Liquidity Overhang
riskExceptional capital position (>16%, top quartile). Strong fundamentals—opportunity to deploy capital more productively.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
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)