BlastPoint's Credit Union Scorecard

UPPER CUMBERLAND

Charter #832 · TN

100M-500M

1024 CUs in 100M-500M nationally 25 in TN

UPPER CUMBERLAND has 8 strengths but faces 4 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

+ Emerging Performer: Top 50.0% in tier
+ Wallet Share Momentum: Top 50.0% in tier
+ ROA 0.34% above tier average
+ Net Interest Margin 0.30% above tier average
+ Strong member growth: 6.7% YoY
+ Loan Growth Rate: Top 2.4% in tier
+ Share Certificate Concentration (%): Top 3.4% in tier
+ Member Growth Rate: Top 6.2% in tier

Key Concerns

Areas that may need attention

- Margin Compression: Bottom 50.0% in tier
- Credit Risk Growth: Bottom 50.0% in tier
- Indirect Auto Dependency: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

One of 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 25 that size in Tennessee.
Shares and deposits +8.3% year over year ($126M in shares and deposits).
Membership: 9,569 members, +6.7% vs a year ago.
Delinquency rate 0.20%.
Return on assets 1.20%.
Efficiency ratio 68.83% vs a 76.73% peer average.
Loan-to-share ratio 87.18% vs a 71.54% peer average.

Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (TN)	National Avg	Tier Percentile
Members	9,569 +6.7% YoY+2.1% QoQ	-5.6K	15,168 -2.6% YoY	22,058 +4.8% YoY	34,678 +6.6% YoY	30%
Assets	$140.5M +7.3% YoY+1.8% QoQ	$-91.5M	$232.0M +0.7% YoY	$390.3M +9.5% YoY	$593.1M +10.2% YoY	26%
Loans	$109.6M +21.9% YoY+3.6% QoQ	$-36.7M	$146.3M +0.2% YoY	$289.3M +8.5% YoY	$418.6M +10.1% YoY	41%
Deposits	$125.7M +8.3% YoY+2.4% QoQ	$-75.0M	$200.7M +0.2% YoY	$326.4M +8.9% YoY	$504.8M +10.3% YoY	28%

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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	1.2% -25.3% YoY+62.3% QoQ	+0.3%	0.9% +12.5% YoY	1.1% +46.9% YoY	1.2% +121.4% YoY	76%
NIM	4.0% +8.3% YoY+0.8% QoQ	+0.3%	3.7% +4.5% YoY	3.9% +2.1% YoY	3.8% +2.3% YoY	70%
Efficiency Ratio	68.8% -2.4% YoY-13.7% QoQ	-7.9%	76.7% -0.8% YoY	78.9% +2.6% YoY	83.0% -5.3% YoY	23%
Delinquency Rate	0.2% +37.4% YoY+146.2% QoQ	-0.7	0.9% +6.6% YoY	1.1% -1.7% YoY	1.3% +2.6% YoY	Top 11.2% in tier
Loan To Share	87.2% +12.5% YoY+1.2% QoQ	+15.6%	71.5% -0.3% YoY	68.7% -1.7% YoY	66.4% -1.4% YoY	80%
AMR	$24,589 +7.1% YoY+0.9% QoQ	$-517	$25,107 +3.2% YoY	$19,228 +3.5% YoY	$20,028 -0.9% YoY	58%
CD Concentration	3.1% -0.9% YoY-2.8% QoQ	-21.5%	24.6%	22.4%	20.0%	50%
Indirect Auto %	24.7% +54.7% YoY+4.9% QoQ	+11.1%	13.6%	6.8%	7.7%	50%

Signature Analysis

Strengths (2)

Emerging Performer

growth

#25 of 175 • 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: 1.20%

(Tier: 0.85%, National: 1.23%)

better than tier avg

Member Growth (YoY): 6.71%

(Tier: 0.46%, National: 15.67%)

better than tier avg

175 of 1024 Mid-Small & Community CUs have this signature | 283 nationally

→ Stable (178→175 CUs) -3 CUs YoY | Rank worsening

Wallet Share Momentum

growth

#285 of 483 • 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): 7.08%

(Tier: 3.97%, National: 35.20%)

better than tier avg

483 of 1024 Mid-Small & Community CUs have this signature | 635 nationally

↑ Growing +52 CUs YoY | Rank worsening

Concerns (4)

Margin Compression

decline

#47 of 140 • Bottom 50.0% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.

Why This Signature

Return on Assets: 1.20%

(Tier: 0.85%, National: 1.23%)

but better than tier avg

ROA (Prior Year): 1.61%

(Tier: 0.75%, National: 0.66%)

but better than tier avg

ROA Change (YoY): -0.41% points

(Tier: 0.10% points, National: 0.47% points)

worse than tier avg

140 of 1024 Mid-Small & Community CUs have this signature | 167 nationally

→ Stable (143→140 CUs) -3 CUs YoY | New qualifier

Credit Risk Growth

risk

#163 of 472 • Bottom 50.0% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 21.92%

(Tier: 4.13%, National: 78.26%)

but better than tier avg

Delinquency Change (YoY): 0.06% points

(Tier: 0.04% points, National: 0.08% points)

worse than tier avg

472 of 1024 Mid-Small & Community CUs have this signature | 688 nationally

↑ Growing +32 CUs YoY | New qualifier

Indirect Auto Dependency

risk

#259 of 476 • 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): 7.31%

(Tier: 4.62%, National: 3.30%)

but better than tier avg

Indirect Auto %: 24.72%

(Tier: 13.63%, National: 7.71%)

worse than tier avg

Member Growth (YoY): 6.71%

(Tier: 0.46%, National: 15.67%)

but better than tier avg

476 of 1024 Mid-Small & Community CUs have this signature | 714 nationally

↓ Shrinking -57 CUs YoY | Rank improving

Credit Quality Pressure

risk

#573 of 693 • Bottom 50.0% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.06% points

(Tier: 0.04% points, National: 0.08% points)

worse than tier avg

693 of 1024 Mid-Small & Community CUs have this signature | 962 nationally

↓ Shrinking -83 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)

Compare against:

Comparing against 1024 peers in tier

Top Strengths (12 metrics)

Loan Growth Rate

growth

Value: 21.92%

Peer Median: 3.02%

#26 of 1024 Top 2.4% in 100M-500M tier

Share Certificate Concentration (%)

balance_sheet

Value: 3.10%

Peer Median: 23.39%

#36 of 1024 Top 3.4% in 100M-500M tier

Member Growth Rate

growth

Value: 6.71%

Peer Median: -0.03%

#64 of 1024 Top 6.2% in 100M-500M tier

116

Total Delinquency Rate (60+ days)

risk

Value: 0.20%

Peer Median: 0.71%

#116 of 1024 Top 11.2% in 100M-500M tier

148

Deposit Growth Rate

growth

Value: 8.34%

Peer Median: 3.58%

#148 of 1024 Top 14.4% in 100M-500M tier

203

Loan-to-Share Ratio

balance_sheet

Value: 87.18%

Peer Median: 73.07%

#203 of 1024 Top 19.7% in 100M-500M tier

219

AMR Growth Rate

growth

Value: 7.08%

Peer Median: 3.53%

#219 of 1024 Top 21.3% in 100M-500M tier

224

Asset Growth Rate

growth

Value: 7.31%

Peer Median: 4.12%

#224 of 1024 Top 21.8% in 100M-500M tier

241

Efficiency Ratio

profitability

Value: 68.83%

Peer Median: 77.26%

#241 of 1024 Top 23.4% in 100M-500M tier

247

Return on Assets (ROA)

profitability

Value: 1.20%

Peer Median: 0.75%

#247 of 1024 Top 24.0% in 100M-500M tier

Top Weaknesses (3 metrics)

867

Members Per Employee (MPE)

engagement

Value: 239.225

Peer Median: 310.924

#867 of 1024 Bottom 15.4% in 100M-500M tier

806

Indirect Auto Concentration (%)

balance_sheet

Value: 24.72%

Peer Median: 6.15%

#806 of 1024 Bottom 21.4% in 100M-500M tier

781

Net Worth Ratio

risk

Value: 9.92%

Peer Median: 11.71%

#781 of 1024 Bottom 23.8% in 100M-500M tier