BlastPoint's Credit Union Scorecard

GREATER EASTERN

Charter #67701 · TN

<100M

2556 CUs in <100M nationally 87 in TN

GREATER EASTERN has 2 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

+ Net Interest Margin 0.30% above tier average
+ Fee Income Per Member: Top 5.0% in tier

Key Concerns

Areas that may need attention

- ROA 0.50% below tier average
- Efficiency ratio 8.36% above tier (higher cost structure)

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (TN)	National Avg	Tier Percentile
Members	4,020 +1.3% YoY+0.3% QoQ	+1.4K	2,615 -1.9% YoY	21,265 +4.5% YoY	33,374 +5.7% YoY	79%
Assets	$56.5M +1.2% YoY+1.6% QoQ	+$26.4M	$30.1M +2.1% YoY	$372.5M +10.3% YoY	$561.6M +9.7% YoY	81%
Loans	$37.9M +1.8% YoY+0.2% QoQ	+$22.2M	$15.8M -1.3% YoY	$275.7M +8.6% YoY	$397.0M +8.8% YoY	Top 12.1% in tier
Deposits	$48.4M +1.1% YoY+1.8% QoQ	+$22.7M	$25.7M +1.4% YoY	$312.1M +9.5% YoY	$477.3M +9.7% YoY	81%

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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	0.1% -75.2% YoY-9.2% QoQ	-0.5%	0.6% +10.8% YoY	0.7% -5.8% YoY	0.7% +15.9% YoY	21%
NIM	4.3% +2.4% YoY-0.3% QoQ	+0.3%	4.0% +4.0% YoY	3.8% +3.7% YoY	3.8% +5.1% YoY	65%
Efficiency Ratio	90.9% +5.8% YoY+0.4% QoQ	+8.4%	82.6% -2.3% YoY	79.4% +2.9% YoY	79.7% -3.3% YoY	77%
Delinquency Rate	1.3% +25.4% YoY+7.1% QoQ	-0.3	1.6% -3.1% YoY	1.1% -12.6% YoY	1.3% -2.1% YoY	67%
Loan To Share	78.4% +0.7% YoY-1.6% QoQ	+17.8%	60.6% -3.1% YoY	70.0% -2.2% YoY	67.4% -1.7% YoY	76%
AMR	$21,467 +0.1% YoY+0.8% QoQ	+$7K	$14,783 -1.4% YoY	$18,770 +3.9% YoY	$19,687 +2.0% YoY	84%
CD Concentration	11.3% +13.3% YoY+17.6% QoQ	-13.1%	24.4%	22.4%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	6.7%	7.8%	50%

Signature Analysis

Strengths (0)

No strengths identified

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)

Compare against:

Comparing against 2556 peers in tier

Top Strengths (10 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: -

#1 of 2556 Top 0.1% in <100M tier

130

Fee Income Per Member

profitability

Value: $218.14

Peer Median: -

#130 of 2556 Top 5.0% in <100M tier

260

Loan-to-Member Ratio (LMR)

engagement

Value: $9,432

Peer Median: -

#260 of 2556 Top 10.1% in <100M tier

310

Total Loans

balance_sheet

Value: $37.92M

Peer Median: -

#310 of 2556 Top 12.1% in <100M tier

422

Average Member Relationship (AMR)

engagement

Value: $21,467

Peer Median: -

#422 of 2556 Top 16.5% in <100M tier

485

Total Deposits

balance_sheet

Value: $48.38M

Peer Median: -

#485 of 2556 Top 18.9% in <100M tier

488

Total Assets

balance_sheet

Value: $56.55M

Peer Median: -

#488 of 2556 Top 19.1% in <100M tier

534

Total Members

engagement

Value: 4,020

Peer Median: -

#534 of 2556 Top 20.9% in <100M tier

539

Member Growth Rate

growth

Value: 1.26%

Peer Median: -

#539 of 2556 Top 21.0% in <100M tier

606

Loan-to-Share Ratio

balance_sheet

Value: 78.37%

Peer Median: -

#606 of 2556 Top 23.7% in <100M tier

Top Weaknesses (4 metrics)

2189

Members Per Employee (MPE)

engagement

Value: 191.429

Peer Median: -

#2189 of 2556 Bottom 14.4% in <100M tier

2014

Return on Assets (ROA)

profitability

Value: 0.12%

Peer Median: -

#2014 of 2556 Bottom 21.2% in <100M tier

1974

First Mortgage Concentration (%)

balance_sheet

Value: 27.63%

Peer Median: -

#1974 of 2556 Bottom 22.8% in <100M tier

1968

Efficiency Ratio

profitability

Value: 90.92%

Peer Median: -

#1968 of 2556 Bottom 23.0% in <100M tier