EASTMAN

Charter #68095 | TN

7B-10B (30 CUs) Large (64 CUs)
1 7B-10B in TN

EASTMAN has 14 strengths but faces 5 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Organic Growth Engine: Top 0.0% in tier
  • + Organic Growth Leader: Top 4.8% in tier
  • + Relationship Depth Leader: Top 25.6% in tier
  • + Wallet Share Momentum: Top 29.9% in tier
  • + ROA 0.76% above tier average
  • + Net Interest Margin 0.16% above tier average
  • + Efficiency Ratio: Top 3.3% in tier
  • + Asset Growth Rate: Top 3.3% in tier
  • + Total Loans: Top 3.3% in tier
  • + Deposit Growth Rate: Top 10.0% in tier
  • + Total Delinquency Rate (60+ days): Top 10.0% in tier
  • + Average Member Relationship (AMR): Top 10.0% in tier
  • + Loan-to-Member Ratio (LMR): Top 10.0% in tier
  • + Total Deposits: Top 10.0% in tier

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 19.7% in tier
  • - Growth-at-Risk: Bottom 20.6% in tier
  • - Liquidity Strain: Bottom 23.5% in tier
  • - Liquidity Overhang: Bottom 23.6% in tier
  • - Share Certificate Concentration (%): Bottom 3.3% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (TN) National Avg Tier Percentile
Members 356,492
+4.8% YoY+1.1% QoQ
 -102.8K 459,296
+3.8% YoY
 21,139
+4.9% YoY
 33,089
+6.1% YoY
 Bottom 10.0% in tier
Assets $9.7B
+9.2% YoY+2.2% QoQ
 +$802.9M $8.9B
+1.2% YoY
 $362.5M
+9.5% YoY
 $547.7M
+7.8% YoY
 Top 16.7% in tier
Loans $7.8B
+5.4% YoY+1.1% QoQ
 +$1.4B $6.3B
+2.9% YoY
 $271.1M
+9.1% YoY
 $388.7M
+8.6% YoY
 Top 6.7% in tier
Deposits $8.3B
+8.6% YoY+2.0% QoQ
 +$815.1M $7.5B
+2.3% YoY
 $303.0M
+8.7% YoY
 $464.6M
+9.3% YoY
 Top 13.3% in tier
ROA 1.8%
+8.6% YoY+0.7% QoQ
 +0.8% 1.0%
+22.1% YoY
 0.8%
+4.1% YoY
 0.7%
+273.4% YoY
 Top 10.0% in tier
NIM 3.2%
+7.1% YoY+0.6% QoQ
 +0.2% 3.0%
+11.5% YoY
 3.8%
+5.1% YoY
 3.7%
+5.0% YoY
 60th in tier
Efficiency Ratio 45.9%
-7.1% YoY-2.5% QoQ
 -17.9% 63.7%
-2.2% YoY
 75.4%
-1.8% YoY
 79.1%
-3.3% YoY
 Bottom 3.3% in tier
Delinquency Rate 0.2%
+18.1% YoY+13.8% QoQ
 -0.4 0.7%
+10.8% YoY
 1.1%
+8.5% YoY
 1.2%
-0.9% YoY
 Bottom 10.0% in tier
Loan To Share 94.1%
-3.0% YoY-0.9% QoQ
 +8.7% 85.4%
+0.7% YoY
 70.4%
-2.4% YoY
 68.0%
-1.7% YoY
 63rd in tier
AMR $45,032
+2.1% YoY+0.5% QoQ
 +$11K $33,660
-2.9% YoY
 $18,470
+2.4% YoY
 $19,418
+1.3% YoY
 Top 13.3% in tier
CD Concentration 46.6%
+3.7% YoY+1.5% QoQ
 +17.7% 28.9%
-1.3% YoY
 22.3%
+6.6% YoY
 19.6%
+6.2% YoY
 Top 4.7% in tier
Indirect Auto % 13.4%
+3.1% YoY-0.1% QoQ
 -3.2% 16.6%
-10.3% YoY
 6.9%
+1.1% YoY
 7.9%
-2.9% YoY
 41st in tier

Signature Analysis

Strengths (4)

Organic Growth Engine

growth
#1 of 50 • Top 0.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 4.80%
(Tier: 3.07%, National: 9.37%)
better than tier avg
Return on Assets: 1.79%
(Tier: 0.91%, National: 0.71%)
better than tier avg
Indirect Auto %: 13.40%
(Tier: 16.60%, National: 7.90%)
better than tier avg
50 of 64 Large CUs have this signature | 917 nationally
→ Stable (52→50 CUs) -2 CUs YoY

Organic Growth Leader

growth
#5 of 28 • Top 4.8% in tier

Attracting members without relying on indirect channels. Healthy, sustainable growth model.

Why This Signature
Member Growth (YoY): 4.80%
(Tier: 3.07%, National: 9.37%)
better than tier avg
28 of 64 Large CUs have this signature | 608 nationally
→ Stable (28→28 CUs)

Relationship Depth Leader

growth
#31 of 46 • Top 25.6% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 2.13%
(Tier: 2.82%, National: 4.19%)
but worse than tier avg
Share Draft per Member: $3.4K
(Tier: $3.2K, National: $2.0K)
better than tier avg
46 of 64 Large CUs have this signature | 1330 nationally
↑ Growing +18 CUs YoY | Rank worsening

Wallet Share Momentum

growth
#36 of 46 • Top 29.9% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 2.13%
(Tier: 2.82%, National: 4.19%)
but worse than tier avg
46 of 64 Large CUs have this signature | 1330 nationally
↑ Growing +18 CUs YoY | Rank worsening

Concerns (4)

Credit Quality Pressure

risk
#25 of 34 • Bottom 19.7% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature
Delinquency Change (YoY): 0.04% points
(Tier: 0.04% points, National: 0.07% points)
but better than tier avg
34 of 64 Large CUs have this signature | 1002 nationally
↓ Shrinking -17 CUs YoY | Rank improving

Growth-at-Risk

risk
#21 of 25 • Bottom 20.6% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature
Loan Growth (YoY): 5.38%
(Tier: 4.99%, National: 36.38%)
but better than tier avg
Delinquency Change (YoY): 0.04% points
(Tier: 0.04% points, National: 0.07% points)
but better than tier avg
25 of 64 Large CUs have this signature | 646 nationally
↓ Shrinking -13 CUs YoY

Liquidity Strain

risk
#21 of 32 • Bottom 23.5% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature
Loan-to-Share Ratio: 94.14%
(Tier: 84.48%, National: 67.96%)
but better than tier avg
Loan Growth (YoY): 5.38%
(Tier: 4.99%, National: 36.38%)
but better than tier avg
32 of 64 Large CUs have this signature | 484 nationally
→ Stable (27→32 CUs) +5 CUs YoY | Rank worsening

Liquidity Overhang

risk
#14 of 24 • Bottom 23.6% in tier

Very high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.

Why This Signature
Net Worth Ratio: 14.19%
(Tier: 11.62%, National: 14.51%)
but better than tier avg
Loan-to-Share Ratio: 94.14%
(Tier: 84.48%, National: 67.96%)
but better than tier avg
24 of 64 Large CUs have this signature | 691 nationally
↑ Growing +7 CUs YoY

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)

Comparing against 30 peers in tier

Top Strengths (13 metrics)

2
Efficiency Ratio
profitability
Value: 45.86%
Peer Avg: 63.73%
#2 of 30 Top 3.3% in 7B-10B tier
2
Asset Growth Rate
growth
Value: 9.20%
Peer Avg: 2.91%
#2 of 30 Top 3.3% in 7B-10B tier
2
Total Loans
balance_sheet
Value: $7.78B
Peer Avg: $6.34B
#2 of 30 Top 3.3% in 7B-10B tier
3
Return on Assets (ROA)
profitability
Value: 1.79%
Peer Avg: 1.03%
#3 of 30 Top 6.7% in 7B-10B tier
4
Deposit Growth Rate
growth
Value: 8.63%
Peer Avg: 4.48%
#4 of 30 Top 10.0% in 7B-10B tier
4
Total Delinquency Rate (60+ days)
risk
Value: 0.23%
Peer Avg: 0.67%
#4 of 30 Top 10.0% in 7B-10B tier
4
Average Member Relationship (AMR)
engagement
Value: $45,032
Peer Avg: $33,660
#4 of 30 Top 10.0% in 7B-10B tier
4
Loan-to-Member Ratio (LMR)
engagement
Value: $21,837
Peer Avg: $15,544
#4 of 30 Top 10.0% in 7B-10B tier
4
Total Deposits
balance_sheet
Value: $8.27B
Peer Avg: $7.45B
#4 of 30 Top 10.0% in 7B-10B tier
5
Total Assets
balance_sheet
Value: $9.72B
Peer Avg: $8.92B
#5 of 30 Top 13.3% in 7B-10B tier

Top Weaknesses (4 metrics)

30
Share Certificate Concentration (%)
balance_sheet
Value: 46.58%
Peer Avg: 26.92%
#30 of 30 Bottom 3.3% in 7B-10B tier
27
Members Per Employee (MPE)
engagement
Value: 327.357
Peer Avg: 450.512
#27 of 30 Bottom 13.3% in 7B-10B tier
27
Total Members
engagement
Value: 356,492
Peer Avg: 459,296
#27 of 30 Bottom 13.3% in 7B-10B tier
24
First Mortgage Concentration (%)
balance_sheet
Value: 50.01%
Peer Avg: 38.48%
#24 of 30 Bottom 23.3% in 7B-10B tier