BlastPoint's Credit Union Scorecard
EASTMAN
Charter #68095 · TN
EASTMAN has 8 strengths but faces 5 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 12.0% in tier
- + Relationship Depth Leader: Top 60.0% in tier
- + Organic Growth Engine: Top 76.0% in tier
- + Organic Growth Leader: Top 76.0% in tier
- + ROA 0.93% above tier average
- + Net Interest Margin 0.05% above tier average
- + Efficiency Ratio: Top 8.0% in tier
- + Total Delinquency Rate (60+ days): Top 8.0% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 32.0% in tier
- - Credit Quality Pressure: Bottom 44.0% in tier
- - Credit Risk Growth: Bottom 68.0% in tier
- - Total Assets: Bottom 4.0% in tier
- - Share Certificate Concentration (%): Bottom 4.0% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 25 credit unions with $10B+ in assets nationally, and 1 of 1 that size in Tennessee.
- Shares and deposits +5.7% year over year ($8.57B in shares and deposits).
- Membership: 360,016 members, +2.1% vs a year ago.
- Delinquency rate 0.31%.
- Return on assets 1.96%.
- Efficiency ratio 44.20% vs a 61.57% peer average.
- Loan-to-share ratio 93.22% vs a 87.50% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
360,016
+2.1% YoY+0.8% QoQ
|
-1.3M |
1,671,910
-4.2% YoY
|
22,058
+4.8% YoY
|
34,678
+6.6% YoY
|
Bottom 8.0% in tier |
| Assets |
$10.2B
+6.9% YoY+0.3% QoQ
|
$-17.5B |
$27.7B
+0.2% YoY
|
$390.3M
+9.5% YoY
|
$593.1M
+10.2% YoY
|
Bottom 0.1% in tier |
| Loans |
$8.0B
+3.7% YoY+1.2% QoQ
|
$-12.1B |
$20.0B
-0.9% YoY
|
$289.3M
+8.5% YoY
|
$418.6M
+10.1% YoY
|
Bottom 12.0% in tier |
| Deposits |
$8.6B
+5.7% YoY-0.4% QoQ
|
$-15.0B |
$23.5B
+0.4% YoY
|
$326.4M
+8.9% YoY
|
$504.8M
+10.3% YoY
|
Bottom 8.0% in tier |
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| ROA |
2.0%
+9.9% YoY+9.1% QoQ
|
+0.9% |
1.0%
+45.0% YoY
|
1.1%
+46.9% YoY
|
1.2%
+121.4% YoY
|
Top 12.0% in tier |
| NIM |
3.3%
+5.0% YoY+4.1% QoQ
|
+0.1% |
3.2%
+5.4% YoY
|
3.9%
+2.1% YoY
|
3.8%
+2.3% YoY
|
52% |
| Efficiency Ratio |
44.2%
-6.1% YoY-5.4% QoQ
|
-17.4% |
61.6%
-6.2% YoY
|
78.9%
+2.6% YoY
|
83.0%
-5.3% YoY
|
Top 8.0% in tier |
| Delinquency Rate |
0.3%
+49.2% YoY+99.9% QoQ
|
-0.7 |
1.0%
-2.7% YoY
|
1.1%
-1.7% YoY
|
1.3%
+2.6% YoY
|
Top 8.0% in tier |
| Loan To Share |
93.2%
-1.9% YoY+1.6% QoQ
|
+5.7% |
87.5%
-3.0% YoY
|
68.7%
-1.7% YoY
|
66.4%
-1.4% YoY
|
68% |
| AMR |
$45,983
+2.6% YoY-0.4% QoQ
|
+$13K |
$32,850
+5.7% YoY
|
$19,228
+3.5% YoY
|
$20,028
-0.9% YoY
|
80% |
| CD Concentration |
45.9%
+0.1% YoY-0.6% QoQ
|
+15.7% | 30.2% | 22.4% | 20.0% | Top 4.0% in tier |
| Indirect Auto % |
13.8%
+3.2% YoY+1.8% QoQ
|
-1.1% | 15.0% | 6.8% | 7.7% | 56% |
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.
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
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)