BlastPoint's Credit Union Scorecard

UPPER CUMBERLAND

Charter #832 · TN

100M-500M
1070 CUs in 100M-500M nationally 25 in TN

UPPER CUMBERLAND has 8 strengths but faces 2 concerns

National Analysis

How does the industry compare?
TN Analysis

How does TN stack up?

Key Strengths

Areas where this CU excels compared to peers

  • + Wallet Share Momentum: Top 50.0% in tier
  • + Emerging Performer: Top 50.0% in tier
  • + Net Interest Margin 0.32% above tier average
  • + Strong member growth: 6.6% YoY
  • + Loan Growth Rate: Top 1.6% in tier
  • + Share Certificate Concentration (%): Top 3.5% in tier
  • + Total Delinquency Rate (60+ days): Top 5.0% in tier
  • + Member Growth Rate: Top 6.7% in tier

Key Concerns

Areas that may need attention

  • - Indirect Auto Dependency: Bottom 50.0% in tier
  • - Efficiency ratio 1.75% above tier (higher cost structure)

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (TN) National Avg Tier Percentile
Members 9,373
+6.6% YoY+1.2% QoQ
 -5.8K 15,145
-2.5% YoY
 21,412
+3.7% YoY
 33,913
+5.7% YoY
 28%
Assets $138.1M
+6.9% YoY+3.7% QoQ
 $-93.6M $231.7M
+0.8% YoY
 $379.6M
+8.7% YoY
 $578.3M
+9.0% YoY
 25%
Loans $105.7M
+27.6% YoY+2.1% QoQ
 $-38.4M $144.1M
+0.2% YoY
 $279.0M
+7.7% YoY
 $402.4M
+8.7% YoY
 39%
Deposits $122.8M
+6.0% YoY+3.7% QoQ
 $-78.3M $201.1M
+0.4% YoY
 $319.1M
+8.0% YoY
 $494.3M
+9.1% YoY
 26%

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Tier 1
50+ financial metrics with peer benchmarks
Performance signatures (strengths & concerns)
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ROA 0.7%
-7.4% YoY+11.6% QoQ
 +0.0% 0.7%
+5.1% YoY
 0.6%
-5.0% YoY
 0.4%
-39.2% YoY
 54%
NIM 4.0%
+8.7% YoY+2.8% QoQ
 +0.3% 3.6%
+4.6% YoY
 3.9%
+5.1% YoY
 3.8%
+4.1% YoY
 71%
Efficiency Ratio 79.8%
+0.6% YoY-3.5% QoQ
 +1.8% 78.0%
-1.7% YoY
 79.6%
+1.7% YoY
 84.6%
+2.8% YoY
 54%
Delinquency Rate 0.1%
-51.3% YoY-67.7% QoQ
 -0.7 0.8%
+7.1% YoY
 0.9%
-14.5% YoY
 1.2%
+3.4% YoY
 Top 5.0% in tier
Loan To Share 86.1%
+20.4% YoY-1.5% QoQ
 +15.7% 70.4%
-0.4% YoY
 68.3%
-1.5% YoY
 65.6%
-1.4% YoY
 81%
AMR $24,382
+7.9% YoY+1.7% QoQ
 $-536 $24,918
+2.7% YoY
 $18,957
+3.0% YoY
 $19,920
+1.6% YoY
 58%
CD Concentration 3.2%
+18.7% YoY+4.4% QoQ
 -21.1% 24.3% 22.3% 19.8% 50%
Indirect Auto % 23.6%
+93.2% YoY+8.7% QoQ
 +9.8% 13.8% 6.8% 7.7% 50%

Signature Analysis

Strengths (2)

Wallet Share Momentum

growth
#211 of 491 • Top 50.0% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature
AMR Growth (YoY): 7.90%
(Tier: 3.74%, National: 6.36%)
better than tier avg
491 of 1070 Mid-Small & Community CUs have this signature | 637 nationally
↑ Growing +107 CUs YoY | Rank worsening

Emerging Performer

growth
#78 of 157 • Top 50.0% in tier

Smaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.

Why This Signature
Return on Assets: 0.74%
(Tier: 0.72%, National: 0.39%)
better than tier avg
Member Growth (YoY): 6.61%
(Tier: 0.72%, National: 10.19%)
better than tier avg
157 of 1070 Mid-Small & Community CUs have this signature | 260 nationally
→ No prior data (157 CUs now) | New qualifier

Concerns (1)

Indirect Auto Dependency

risk
#318 of 504 • Bottom 50.0% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature
Asset Growth (YoY): 6.91%
(Tier: 4.68%, National: 1663.40%)
but better than tier avg
Indirect Auto %: 23.57%
(Tier: 13.80%, National: 7.73%)
worse than tier avg
Member Growth (YoY): 6.61%
(Tier: 0.72%, National: 10.19%)
but better than tier avg
504 of 1070 Mid-Small & Community CUs have this signature | 745 nationally
↓ Shrinking -29 CUs YoY | New qualifier

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 1070 peers in tier

Top Strengths (6 metrics)

18
Loan Growth Rate
growth
Value: 27.61%
Peer Median: 2.93%
#18 of 1070 Top 1.6% in 100M-500M tier
38
Share Certificate Concentration (%)
balance_sheet
Value: 3.19%
Peer Median: 23.10%
#38 of 1070 Top 3.5% in 100M-500M tier
54
Total Delinquency Rate (60+ days)
risk
Value: 0.08%
Peer Median: 0.61%
#54 of 1070 Top 5.0% in 100M-500M tier
73
Member Growth Rate
growth
Value: 6.61%
Peer Median: -0.06%
#73 of 1070 Top 6.7% in 100M-500M tier
164
AMR Growth Rate
growth
Value: 7.90%
Peer Median: 3.46%
#164 of 1070 Top 15.2% in 100M-500M tier
202
Loan-to-Share Ratio
balance_sheet
Value: 86.11%
Peer Median: 71.88%
#202 of 1070 Top 18.8% in 100M-500M tier

Top Weaknesses (4 metrics)

927
Members Per Employee (MPE)
engagement
Value: 234.325
Peer Median: 309.176
#927 of 1070 Bottom 13.5% in 100M-500M tier
832
Indirect Auto Concentration (%)
balance_sheet
Value: 23.57%
Peer Median: 6.61%
#832 of 1070 Bottom 22.3% in 100M-500M tier
819
Net Worth Ratio
risk
Value: 9.66%
Peer Median: 11.45%
#819 of 1070 Bottom 23.6% in 100M-500M tier
807
Total Assets
balance_sheet
Value: $138.11M
Peer Median: $196.57M
#807 of 1070 Bottom 24.7% in 100M-500M tier
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