BlastPoint's Credit Union Scorecard
UNITED SOUTHEAST
Charter #4714 · TN
UNITED SOUTHEAST has 6 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 14.3% in tier
- + Organic Growth Leader: Top 16.0% in tier
- + ROA 0.13% above tier average
- + Strong member growth: 5.6% YoY
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Member Growth Rate: Top 8.0% in tier
Key Concerns
Areas that may need attention
- - Shrinking Wallet Share: Bottom 96.6% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
23,361
+5.6% YoY+1.7% QoQ
|
+7.9K |
15,437
-2.9% YoY
|
21,265
+4.5% YoY
|
33,374
+5.7% YoY
|
84% |
| Assets |
$251.0M
+6.6% YoY+3.5% QoQ
|
+$19.1M |
$231.9M
+1.3% YoY
|
$372.5M
+10.3% YoY
|
$561.6M
+9.7% YoY
|
64% |
| Loans |
$161.5M
+5.1% YoY-0.9% QoQ
|
+$14.1M |
$147.3M
-0.1% YoY
|
$275.7M
+8.6% YoY
|
$397.0M
+8.8% YoY
|
64% |
| Deposits |
$215.9M
+4.9% YoY+2.3% QoQ
|
+$15.1M |
$200.8M
+0.8% YoY
|
$312.1M
+9.5% YoY
|
$477.3M
+9.7% YoY
|
63% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
0.9%
+32.9% YoY+14.3% QoQ
|
+0.1% |
0.8%
+18.2% YoY
|
0.7%
-5.8% YoY
|
0.7%
+15.9% YoY
|
60% |
| NIM |
3.6%
+9.0% YoY+0.2% QoQ
|
-0.0% |
3.6%
+6.7% YoY
|
3.8%
+3.7% YoY
|
3.8%
+5.1% YoY
|
50% |
| Efficiency Ratio |
69.1%
-4.0% YoY-1.3% QoQ
|
-7.9% |
77.0%
-3.1% YoY
|
79.4%
+2.9% YoY
|
79.7%
-3.3% YoY
|
23% |
| Delinquency Rate |
0.4%
-46.9% YoY-9.1% QoQ
|
-0.5 |
0.9%
+4.2% YoY
|
1.1%
-12.6% YoY
|
1.3%
-2.1% YoY
|
26% |
| Loan To Share |
74.8%
+0.2% YoY-3.1% QoQ
|
+2.6% |
72.2%
-1.1% YoY
|
70.0%
-2.2% YoY
|
67.4%
-1.7% YoY
|
52% |
| AMR |
$16,154
-0.6% YoY-0.7% QoQ
|
$-9K |
$24,676
+3.4% YoY
|
$18,770
+3.9% YoY
|
$19,687
+2.0% YoY
|
Bottom 13.1% in tier |
| CD Concentration |
29.5%
+9.6% YoY+0.6% QoQ
|
+5.1% | 24.4% | 22.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 6.7% | 7.8% | 50% |
Signature Analysis
Strengths (2)
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.
Concerns (1)
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
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)