BlastPoint's Credit Union Scorecard
EASTMAN
Charter #68095 · TN
EASTMAN has 12 strengths but faces 4 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
- + Organic Growth Engine: Top 17.0% in tier
- + Organic Growth Leader: Top 42.9% in tier
- + Relationship Depth Leader: Top 71.4% in tier
- + ROA 0.71% above tier average
- + Net Interest Margin 0.03% above tier average
- + Efficiency Ratio: Top 3.0% in tier
- + Total Loans: Top 6.1% in tier
- + Asset Growth Rate: Top 9.1% in tier
- + Total Assets: Top 9.1% in tier
- + Total Deposits: Top 9.1% in tier
- + Average Member Relationship (AMR): Top 9.1% in tier
- + Loan-to-Member Ratio (LMR): Top 9.1% in tier
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 50.0% in tier
- - Credit Quality Pressure: Bottom 52.8% in tier
- - Liquidity Strain: Bottom 78.1% in tier
- - Share Certificate Concentration (%): Bottom 3.0% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
355,885
+3.5% YoY-0.2% QoQ
|
-90.0K |
445,922
+0.4% YoY
|
21,265
+4.5% YoY
|
33,374
+5.7% YoY
|
18% |
| Assets |
$9.9B
+8.9% YoY+1.9% QoQ
|
+$975.9M |
$8.9B
+0.9% YoY
|
$372.5M
+10.3% YoY
|
$561.6M
+9.7% YoY
|
Top 12.1% in tier |
| Loans |
$7.8B
+4.4% YoY+0.6% QoQ
|
+$1.6B |
$6.3B
+0.8% YoY
|
$275.7M
+8.6% YoY
|
$397.0M
+8.8% YoY
|
Top 9.1% in tier |
| Deposits |
$8.4B
+8.2% YoY+1.6% QoQ
|
+$879.9M |
$7.5B
+1.2% YoY
|
$312.1M
+9.5% YoY
|
$477.3M
+9.7% YoY
|
Top 12.1% in tier |
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| ROA |
1.7%
+13.7% YoY-6.2% QoQ
|
+0.7% |
1.0%
+27.8% YoY
|
0.7%
-5.8% YoY
|
0.7%
+15.9% YoY
|
Top 9.1% in tier |
| NIM |
3.0%
+8.7% YoY-5.3% QoQ
|
+0.0% |
3.0%
+12.0% YoY
|
3.8%
+3.7% YoY
|
3.8%
+5.1% YoY
|
58% |
| Efficiency Ratio |
46.8%
-8.4% YoY+1.9% QoQ
|
-18.1% |
64.8%
-2.3% YoY
|
79.4%
+2.9% YoY
|
79.7%
-3.3% YoY
|
Bottom 3.0% in tier |
| Delinquency Rate |
0.3%
+32.7% YoY+21.0% QoQ
|
-0.4 |
0.7%
+5.5% YoY
|
1.1%
-12.6% YoY
|
1.3%
-2.1% YoY
|
Bottom 12.1% in tier |
| Loan To Share |
93.2%
-3.6% YoY-1.0% QoQ
|
+9.8% |
83.4%
-0.6% YoY
|
70.0%
-2.2% YoY
|
67.4%
-1.7% YoY
|
61% |
| AMR |
$45,596
+2.7% YoY+1.3% QoQ
|
+$11K |
$34,266
-1.7% YoY
|
$18,770
+3.9% YoY
|
$19,687
+2.0% YoY
|
Top 12.1% in tier |
| CD Concentration |
46.7%
+3.0% YoY+0.2% QoQ
|
+17.5% | 29.1% | 22.4% | 19.8% | Top 4.5% in tier |
| Indirect Auto % |
13.4%
+2.4% YoY-0.1% QoQ
|
-3.7% | 17.1% | 6.7% | 7.8% | 40% |
Signature Analysis
Strengths (3)
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 (<20%). Healthy, sustainable growth model.
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Concerns (3)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)