BlastPoint's Credit Union Scorecard
EASTMAN
Charter #68095 · TN
EASTMAN has 8 strengths but faces 7 concerns
How does the industry compare?
What's your peer group doing?
How does TN stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Emerging Performer: Top 8.3% in tier
- + Relationship Depth Leader: Top 58.3% in tier
- + Organic Growth Engine: Top 79.2% in tier
- + Organic Growth Leader: Top 79.2% in tier
- + ROA 0.90% above tier average
- + Total Delinquency Rate (60+ days): Top 0.1% in tier
- + Efficiency Ratio: Top 4.2% in tier
- + Net Worth Ratio: Top 8.3% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 37.5% in tier
- - Credit Quality Pressure: Bottom 62.5% in tier
- - Credit Risk Growth: Bottom 70.8% in tier
- - Total Assets: Bottom 4.2% in tier
- - Share Certificate Concentration (%): Bottom 4.2% in tier
- - Total Members: Bottom 8.3% in tier
- - Members Per Employee (MPE): Bottom 8.3% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
357,321
+2.6% YoY+0.4% QoQ
|
-1.4M |
1,712,610
-8.0% YoY
|
21,412
+3.7% YoY
|
33,913
+5.7% YoY
|
Bottom 4.2% in tier |
| Assets |
$10.1B
+8.0% YoY+2.4% QoQ
|
$-18.0B |
$28.2B
-3.2% YoY
|
$379.6M
+8.7% YoY
|
$578.3M
+9.0% YoY
|
Bottom 0.1% in tier |
| Loans |
$7.9B
+4.3% YoY+0.8% QoQ
|
$-12.3B |
$20.2B
-4.4% YoY
|
$279.0M
+7.7% YoY
|
$402.4M
+8.7% YoY
|
Bottom 12.5% in tier |
| Deposits |
$8.6B
+7.0% YoY+2.4% QoQ
|
$-15.5B |
$24.1B
-2.9% YoY
|
$319.1M
+8.0% YoY
|
$494.3M
+9.1% YoY
|
Bottom 8.3% in tier |
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| ROA |
1.8%
+4.7% YoY+6.6% QoQ
|
+0.9% |
0.9%
+31.5% YoY
|
0.6%
-5.0% YoY
|
0.4%
-39.2% YoY
|
Top 8.3% in tier |
| NIM |
3.2%
+3.3% YoY+5.9% QoQ
|
+0.0% |
3.2%
+4.6% YoY
|
3.9%
+5.1% YoY
|
3.8%
+4.1% YoY
|
54% |
| Efficiency Ratio |
46.7%
-5.3% YoY-0.1% QoQ
|
-17.2% |
63.9%
-3.7% YoY
|
79.6%
+1.7% YoY
|
84.6%
+2.8% YoY
|
Top 4.2% in tier |
| Delinquency Rate |
0.2%
+42.4% YoY-45.8% QoQ
|
-0.8 |
0.9%
-6.9% YoY
|
0.9%
-14.5% YoY
|
1.2%
+3.4% YoY
|
Top 0.1% in tier |
| Loan To Share |
91.8%
-2.5% YoY-1.6% QoQ
|
+5.7% |
86.0%
-3.3% YoY
|
68.3%
-1.5% YoY
|
65.6%
-1.4% YoY
|
62% |
| AMR |
$46,154
+3.0% YoY+1.2% QoQ
|
+$14K |
$32,099
+9.5% YoY
|
$18,957
+3.0% YoY
|
$19,920
+1.6% YoY
|
83% |
| CD Concentration |
46.2%
+2.3% YoY-1.1% QoQ
|
+16.0% | 30.2% | 22.3% | 19.8% | Top 4.2% in tier |
| Indirect Auto % |
13.6%
+2.2% YoY+1.5% QoQ
|
-1.4% | 14.9% | 6.8% | 7.7% | 54% |
Signature Analysis
Strengths (4)
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.
Concerns (3)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
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)