BlastPoint's Credit Union Scorecard

KINGSPORT PRESS CU

Charter #68104 · TN

2556 CUs in <100M nationally 87 in TN

KINGSPORT PRESS CU has 7 strengths but faces 1 concern

Key Strengths

Areas where this CU excels compared to peers

  • + ROA 1.16% above tier average
  • + Indirect Auto Concentration (%): Top 0.0% in tier
  • + Total Assets: Top 2.7% in tier
  • + Total Loans: Top 2.9% in tier
  • + Total Deposits: Top 4.0% in tier
  • + Fee Income Per Member: Top 5.2% in tier
  • + Total Members: Top 8.2% in tier

Key Concerns

Areas that may need attention

  • - Member decline: -4.1% YoY

Core Metrics

As of 2025-Q4

Metric Current vs Tier Tier Avg State Avg (TN) National Avg Tier Percentile
Members 6,200
-4.1% YoY-1.1% QoQ
+3.6K 2,615
-1.9% YoY
21,265
+4.5% YoY
33,374
+5.7% YoY
Top 8.3% in tier
Assets $92.7M
+6.9% YoY+1.9% QoQ
+$62.6M $30.1M
+2.1% YoY
$372.5M
+10.3% YoY
$561.6M
+9.7% YoY
Top 2.7% in tier
Loans $57.0M
+0.4% YoY-1.1% QoQ
+$41.2M $15.8M
-1.3% YoY
$275.7M
+8.6% YoY
$397.0M
+8.8% YoY
Top 3.0% in tier
Deposits $77.5M
+5.6% YoY+1.5% QoQ
+$51.8M $25.7M
+1.4% YoY
$312.1M
+9.5% YoY
$477.3M
+9.7% YoY
Top 4.0% in tier

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Tier 1
50+ financial metrics with peer benchmarks
Performance signatures (strengths & concerns)
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ROA 1.8%
+19.3% YoY+8.1% QoQ
+1.2% 0.6%
+10.8% YoY
0.7%
-5.8% YoY
0.7%
+15.9% YoY
Top 10.3% in tier
NIM 3.0%
+0.9% YoY-0.3% QoQ
-1.0% 4.0%
+4.0% YoY
3.8%
+3.7% YoY
3.8%
+5.1% YoY
18%
Efficiency Ratio 59.8%
+2.0% YoY-1.0% QoQ
-22.8% 82.6%
-2.3% YoY
79.4%
+2.9% YoY
79.7%
-3.3% YoY
Bottom 11.3% in tier
Delinquency Rate 0.2%
-68.6% YoY-38.5% QoQ
-1.4 1.6%
-3.1% YoY
1.1%
-12.6% YoY
1.3%
-2.1% YoY
23%
Loan To Share 73.5%
-4.9% YoY-2.6% QoQ
+12.9% 60.6%
-3.1% YoY
70.0%
-2.2% YoY
67.4%
-1.7% YoY
69%
AMR $21,699
+7.8% YoY+1.5% QoQ
+$7K $14,783
-1.4% YoY
$18,770
+3.9% YoY
$19,687
+2.0% YoY
84%
CD Concentration 26.5%
+9.3% YoY+5.1% QoQ
+2.1% 24.4% 22.4% 19.8% 50%
Indirect Auto % 0.0% -13.8% 13.8% 6.7% 7.8% 50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

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 2556 peers in tier

Top Strengths (14 metrics)

1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Median: -
#1 of 2556 Top 0.0% in <100M tier
70
Total Assets
balance_sheet
Value: $92.73M
Peer Median: -
#70 of 2556 Top 2.7% in <100M tier
76
Total Loans
balance_sheet
Value: $57.00M
Peer Median: -
#76 of 2556 Top 2.9% in <100M tier
103
Total Deposits
balance_sheet
Value: $77.54M
Peer Median: -
#103 of 2556 Top 4.0% in <100M tier
134
Fee Income Per Member
profitability
Value: $216.38
Peer Median: -
#134 of 2556 Top 5.2% in <100M tier
211
Total Members
engagement
Value: 6,200
Peer Median: -
#211 of 2556 Top 8.2% in <100M tier
262
Return on Assets (ROA)
profitability
Value: 1.78%
Peer Median: -
#262 of 2556 Top 10.2% in <100M tier
289
Efficiency Ratio
profitability
Value: 59.79%
Peer Median: -
#289 of 2556 Top 11.3% in <100M tier
290
Loan-to-Member Ratio (LMR)
engagement
Value: $9,193
Peer Median: -
#290 of 2556 Top 11.3% in <100M tier
387
AMR Growth Rate
growth
Value: 7.80%
Peer Median: -
#387 of 2556 Top 15.1% in <100M tier

Top Weaknesses (4 metrics)

2277
First Mortgage Concentration (%)
balance_sheet
Value: 44.01%
Peer Median: -
#2277 of 2556 Bottom 11.0% in <100M tier
2096
Net Interest Margin (NIM)
profitability
Value: 2.95%
Peer Median: -
#2096 of 2556 Bottom 18.0% in <100M tier
1991
Member Growth Rate
growth
Value: -4.13%
Peer Median: -
#1991 of 2556 Bottom 22.1% in <100M tier
1983
Share Certificate Concentration (%)
balance_sheet
Value: 26.53%
Peer Median: -
#1983 of 2556 Bottom 22.5% in <100M tier
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