BlastPoint's Credit Union Scorecard
UPPER CUMBERLAND
Charter #832 · TN
UPPER CUMBERLAND has 13 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 3.4% in tier
- + Organic Growth Leader: Top 4.2% in tier
- + Wallet Share Momentum: Top 12.5% in tier
- + Emerging Performer: Top 13.2% in tier
- + Credit Quality Leader: Top 37.8% in tier
- + Profitability Leader: Top 58.1% in tier
- + ROA 0.58% above tier average
- + Net Interest Margin 0.19% above tier average
- + Strong member growth: 6.4% YoY
- + Loan Growth Rate: Top 1.4% in tier
- + Share Certificate Concentration (%): Top 2.9% in tier
- + AMR Growth Rate: Top 4.3% in tier
- + Member Growth Rate: Top 6.7% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 20.7% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
9,141
+6.4% YoY+1.9% QoQ
|
-6.5K |
15,628
-3.4% YoY
|
21,139
+4.9% YoY
|
33,089
+6.1% YoY
|
24% |
| Assets |
$133.4M
+9.7% YoY+1.9% QoQ
|
$-97.9M |
$231.3M
-0.0% YoY
|
$362.5M
+9.5% YoY
|
$547.7M
+7.8% YoY
|
22% |
| Loans |
$98.9M
+38.4% YoY+10.0% QoQ
|
$-48.9M |
$147.8M
-1.4% YoY
|
$271.1M
+9.1% YoY
|
$388.7M
+8.6% YoY
|
34% |
| Deposits |
$118.7M
+9.1% YoY+2.3% QoQ
|
$-81.6M |
$200.3M
-0.0% YoY
|
$303.0M
+8.7% YoY
|
$464.6M
+9.3% YoY
|
25% |
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| ROA |
1.4%
+100.7% YoY-15.0% QoQ
|
+0.6% |
0.8%
+15.5% YoY
|
0.8%
+4.1% YoY
|
0.7%
+273.4% YoY
|
84% |
| NIM |
3.8%
+19.2% YoY+2.5% QoQ
|
+0.2% |
3.6%
+6.9% YoY
|
3.8%
+5.1% YoY
|
3.7%
+5.0% YoY
|
61% |
| Efficiency Ratio |
68.8%
-15.6% YoY-2.5% QoQ
|
-8.5% |
77.3%
-3.0% YoY
|
75.4%
-1.8% YoY
|
79.1%
-3.3% YoY
|
23% |
| Delinquency Rate |
0.2%
-9.9% YoY+32.6% QoQ
|
-0.7 |
0.9%
+7.6% YoY
|
1.1%
+8.5% YoY
|
1.2%
-0.9% YoY
|
Bottom 10.4% in tier |
| Loan To Share |
83.3%
+26.9% YoY+7.5% QoQ
|
+10.6% |
72.7%
-1.5% YoY
|
70.4%
-2.4% YoY
|
68.0%
-1.7% YoY
|
71% |
| AMR |
$23,803
+13.5% YoY+3.7% QoQ
|
$-561 |
$24,363
+2.9% YoY
|
$18,470
+2.4% YoY
|
$19,418
+1.3% YoY
|
58% |
| CD Concentration |
2.8%
+3.3% YoY-9.3% QoQ
|
-21.6% |
24.4%
+4.2% YoY
|
22.3%
+6.6% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
18.9%
+270.2% YoY+18.3% QoQ
|
+4.9% |
14.0%
-5.7% YoY
|
6.9%
+1.1% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (6)
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.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Profitability Leader
growthTop-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.
Concerns (1)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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)