BlastPoint's Credit Union Scorecard
GREATER EASTERN
Charter #67701 · TN
GREATER EASTERN has 4 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.16% above tier average
- + Strong member growth: 8.3% YoY
- + Member Growth Rate: Top 4.3% in tier
- + Fee Income Per Member: Top 4.4% in tier
Key Concerns
Areas that may need attention
- - ROA 0.70% below tier average
- - Efficiency ratio 13.48% above tier (higher cost structure)
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
4,302
+8.3% YoY+7.0% QoQ
|
+1.6K |
2,676
+1.6% YoY
|
21,412
+3.7% YoY
|
33,913
+5.7% YoY
|
81% |
| Assets |
$57.0M
-0.9% YoY+0.7% QoQ
|
+$26.8M |
$30.2M
+1.3% YoY
|
$379.6M
+8.7% YoY
|
$578.3M
+9.0% YoY
|
81% |
| Loans |
$37.9M
+3.0% YoY+0.1% QoQ
|
+$22.7M |
$15.3M
-2.0% YoY
|
$279.0M
+7.7% YoY
|
$402.4M
+8.7% YoY
|
Top 11.2% in tier |
| Deposits |
$49.0M
-1.2% YoY+1.3% QoQ
|
+$23.2M |
$25.8M
+0.7% YoY
|
$319.1M
+8.0% YoY
|
$494.3M
+9.1% YoY
|
81% |
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| ROA |
-0.6%
+638.8% YoY-566.9% QoQ
|
-0.7% |
0.1%
-77.6% YoY
|
0.6%
-5.0% YoY
|
0.4%
-39.2% YoY
|
Bottom 12.7% in tier |
| NIM |
4.2%
+2.8% YoY-1.9% QoQ
|
+0.2% |
4.0%
+4.0% YoY
|
3.9%
+5.1% YoY
|
3.8%
+4.1% YoY
|
66% |
| Efficiency Ratio |
104.1%
+12.9% YoY+14.5% QoQ
|
+13.5% |
90.6%
+6.5% YoY
|
79.6%
+1.7% YoY
|
84.6%
+2.8% YoY
|
Bottom 13.1% in tier |
| Delinquency Rate |
1.3%
+162.8% YoY+1.7% QoQ
|
-0.2 |
1.5%
+3.8% YoY
|
0.9%
-14.5% YoY
|
1.2%
+3.4% YoY
|
71% |
| Loan To Share |
77.4%
+4.2% YoY-1.2% QoQ
|
+18.9% |
58.5%
-3.0% YoY
|
68.3%
-1.5% YoY
|
65.6%
-1.4% YoY
|
79% |
| AMR |
$20,213
-7.1% YoY-5.8% QoQ
|
+$5K |
$14,884
-1.7% YoY
|
$18,957
+3.0% YoY
|
$19,920
+1.6% YoY
|
79% |
| CD Concentration |
12.2%
+14.8% YoY+8.1% QoQ
|
-12.1% | 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 (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)