BlastPoint's Credit Union Scorecard

KINGSPORT PRESS CU

Charter #68104 · TN

<100M
2508 CUs in <100M nationally 86 in TN

KINGSPORT PRESS CU has 7 strengths but faces 1 concern

Key Strengths

Areas where this CU excels compared to peers

  • + ROA 1.32% above tier average
  • + Total Assets: Top 1.4% in tier
  • + Total Loans: Top 2.2% in tier
  • + Fee Income Per Member: Top 2.8% in tier
  • + Total Deposits: Top 3.0% in tier
  • + Total Members: Top 8.1% in tier
  • + Efficiency Ratio: Top 9.8% in tier

Key Concerns

Areas that may need attention

  • - Member decline: -4.2% YoY

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (TN) National Avg Tier Percentile
Members 6,138
-4.2% YoY-1.0% QoQ
+3.5K 2,676
+1.6% YoY
21,412
+3.7% YoY
33,913
+5.7% YoY
Top 8.2% in tier
Assets $95.3M
+6.8% YoY+2.8% QoQ
+$65.1M $30.2M
+1.3% YoY
$379.6M
+8.7% YoY
$578.3M
+9.0% YoY
Top 1.4% in tier
Loans $57.6M
+2.8% YoY+1.0% QoQ
+$42.3M $15.3M
-2.0% YoY
$279.0M
+7.7% YoY
$402.4M
+8.7% YoY
Top 2.2% in tier
Deposits $79.7M
+5.5% YoY+2.8% QoQ
+$53.9M $25.8M
+0.7% YoY
$319.1M
+8.0% YoY
$494.3M
+9.1% YoY
Top 3.0% in tier

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Tier 1
50+ financial metrics with peer benchmarks
Performance signatures (strengths & concerns)
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ROA 1.5%
+16.1% YoY-17.5% QoQ
+1.3% 0.1%
-77.6% YoY
0.6%
-5.0% YoY
0.4%
-39.2% YoY
84%
NIM 2.9%
-0.2% YoY-1.0% QoQ
-1.1% 4.0%
+4.0% YoY
3.9%
+5.1% YoY
3.8%
+4.1% YoY
16%
Efficiency Ratio 57.5%
-6.5% YoY-3.7% QoQ
-33.1% 90.6%
+6.5% YoY
79.6%
+1.7% YoY
84.6%
+2.8% YoY
Top 9.8% in tier
Delinquency Rate 0.2%
+16.4% QoQ
-1.3 1.5%
+3.8% YoY
0.9%
-14.5% YoY
1.2%
+3.4% YoY
27%
Loan To Share 72.2%
-2.5% YoY-1.8% QoQ
+13.7% 58.5%
-3.0% YoY
68.3%
-1.5% YoY
65.6%
-1.4% YoY
71%
AMR $22,364
+8.9% YoY+3.1% QoQ
+$7K $14,884
-1.7% YoY
$18,957
+3.0% YoY
$19,920
+1.6% YoY
Top 14.3% in tier
CD Concentration 26.6%
+8.6% YoY+0.1% QoQ
+2.3% 24.3% 22.3% 19.8% 50%
Indirect Auto % 0.0% -13.8% 13.8% 6.8% 7.7% 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 2508 peers in tier

Top Strengths (13 metrics)

1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Median: 0.00%
#1 of 2508 Top 0.1% in <100M tier
35
Total Assets
balance_sheet
Value: $95.29M
Peer Median: $21.86M
#35 of 2508 Top 1.4% in <100M tier
56
Total Loans
balance_sheet
Value: $57.55M
Peer Median: $9.48M
#56 of 2508 Top 2.2% in <100M tier
70
Fee Income Per Member
profitability
Value: $240.28
Peer Median: $60.42
#70 of 2508 Top 2.8% in <100M tier
76
Total Deposits
balance_sheet
Value: $79.72M
Peer Median: $18.77M
#76 of 2508 Top 3.0% in <100M tier
205
Total Members
engagement
Value: 6,138
Peer Median: 1,918
#205 of 2508 Top 8.1% in <100M tier
246
Efficiency Ratio
profitability
Value: 57.55%
Peer Median: 81.45%
#246 of 2508 Top 9.8% in <100M tier
254
Loan-to-Member Ratio (LMR)
engagement
Value: $9,376
Peer Median: $4,923
#254 of 2508 Top 10.1% in <100M tier
295
AMR Growth Rate
growth
Value: 8.91%
Peer Median: 1.27%
#295 of 2508 Top 11.7% in <100M tier
358
Average Member Relationship (AMR)
engagement
Value: $22,364
Peer Median: $13,926
#358 of 2508 Top 14.2% in <100M tier

Top Weaknesses (4 metrics)

2247
First Mortgage Concentration (%)
balance_sheet
Value: 44.99%
Peer Median: 3.66%
#2247 of 2508 Bottom 10.4% in <100M tier
2100
Net Interest Margin (NIM)
profitability
Value: 2.93%
Peer Median: 3.83%
#2100 of 2508 Bottom 16.3% in <100M tier
1969
Member Growth Rate
growth
Value: -4.21%
Peer Median: -1.37%
#1969 of 2508 Bottom 21.5% in <100M tier
1942
Share Certificate Concentration (%)
balance_sheet
Value: 26.57%
Peer Median: 12.45%
#1942 of 2508 Bottom 22.6% in <100M tier
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