BlastPoint's Credit Union Scorecard

EASTMAN

Charter #68095 · TN

Large 7B-10B

30 CUs in 7B-10B nationally 1 in TN

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EASTMAN has 15 strengths but faces 4 concerns

National Analysis

How does the industry compare?

Large Tier

What's your peer group doing?

TN Analysis

How does TN stack up?

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
+ Profitability Leader: Top 13.3% in tier
+ Credit Quality Leader: Top 46.7% in tier
+ Relationship Depth Leader: Top 92.3% 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
- Credit Risk Growth: Bottom 20.6% in tier
- Liquidity Strain: Bottom 23.5% 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	83%
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

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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	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	60%
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	63%
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	41%

Signature Analysis

Strengths (5)

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 (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 4.80%

(Tier: 3.07%, National: 9.37%)

better than tier avg

Indirect Auto %: 13.40%

(Tier: 16.60%, National: 7.90%)

better than tier avg

28 of 64 Large CUs have this signature | 608 nationally

→ Stable (28→28 CUs)

Profitability Leader

growth

#3 of 16 • Top 13.3% in tier

Top-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.

Why This Signature

Return on Assets: 1.79%

(Tier: 0.91%, National: 0.71%)

better than tier avg

ROA Change (YoY): 0.14% points

(Tier: 0.13% points, National: 0.05% points)

better than tier avg

16 of 64 Large CUs have this signature | 457 nationally

→ Stable (15→16 CUs) +1 CUs YoY

Credit Quality Leader

growth

#8 of 16 • Top 46.7% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why This Signature

Delinquency Rate: 0.23%

(Tier: 0.65%, National: 1.23%)

better than tier avg

Delinquency Change (YoY): 0.04% points

(Tier: 0.04% points, National: 0.07% points)

better than tier avg

16 of 64 Large CUs have this signature | 457 nationally

→ Stable (15→16 CUs) +1 CUs YoY

Relationship Depth Leader

growth

#13 of 14 • Top 92.3% in tier

Top-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.

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

14 of 64 Large CUs have this signature | 341 nationally

↑ Growing +6 CUs YoY | Rank worsening

Concerns (3)

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

Credit Risk Growth

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

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 30 peers in tier

Top Strengths (13 metrics)

Efficiency Ratio

profitability

Value: 45.86%

Peer Avg: -

#2 of 30 Top 3.3% in 7B-10B tier

Asset Growth Rate

growth

Value: 9.20%

Peer Avg: -

#2 of 30 Top 3.3% in 7B-10B tier

Total Loans

balance_sheet

Value: $7.78B

Peer Avg: -

#2 of 30 Top 3.3% in 7B-10B tier

Return on Assets (ROA)

profitability

Value: 1.79%

Peer Avg: -

#3 of 30 Top 6.7% in 7B-10B tier

Deposit Growth Rate

growth

Value: 8.63%

Peer Avg: -