BlastPoint's Credit Union Scorecard

SELECT SEVEN

Charter #6079 · TN

2556 CUs in <100M nationally 87 in TN

SELECT SEVEN has 2 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

+ ROA 0.45% above tier average
+ Total Loans: Top 6.6% in tier

Key Concerns

Areas that may need attention

- Member decline: -4.1% YoY
- Indirect Auto Concentration (%): Bottom 7.4% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (TN)	National Avg	Tier Percentile
Members	5,270 -4.1% YoY-1.5% QoQ	+2.7K	2,615 -1.9% YoY	21,265 +4.5% YoY	33,374 +5.7% YoY	Top 12.3% in tier
Assets	$62.2M +4.8% YoY-1.7% QoQ	+$32.1M	$30.1M +2.1% YoY	$372.5M +10.3% YoY	$561.6M +9.7% YoY	84%
Loans	$47.6M -0.2% YoY-0.2% QoQ	+$31.8M	$15.8M -1.3% YoY	$275.7M +8.6% YoY	$397.0M +8.8% YoY	Top 6.7% in tier
Deposits	$53.5M +4.3% YoY-1.5% QoQ	+$27.8M	$25.7M +1.4% YoY	$312.1M +9.5% YoY	$477.3M +9.7% YoY	84%

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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	1.1% -23.0% YoY-4.0% QoQ	+0.5%	0.6% +10.8% YoY	0.7% -5.8% YoY	0.7% +15.9% YoY	69%
NIM	3.4% +10.6% YoY+0.7% QoQ	-0.6%	4.0% +4.0% YoY	3.8% +3.7% YoY	3.8% +5.1% YoY	31%
Efficiency Ratio	72.2% -1.0% YoY+0.4% QoQ	-10.4%	82.6% -2.3% YoY	79.4% +2.9% YoY	79.7% -3.3% YoY	32%
Delinquency Rate	0.1% -48.5% YoY+759.8% QoQ	-1.5	1.6% -3.1% YoY	1.1% -12.6% YoY	1.3% -2.1% YoY	19%
Loan To Share	88.9% -4.3% YoY+1.3% QoQ	+28.3%	60.6% -3.1% YoY	70.0% -2.2% YoY	67.4% -1.7% YoY	Top 11.2% in tier
AMR	$19,181 +6.6% YoY+0.6% QoQ	+$4K	$14,783 -1.4% YoY	$18,770 +3.9% YoY	$19,687 +2.0% YoY	75%
CD Concentration	30.8% +5.4% YoY+1.5% QoQ	+6.3%	24.4%	22.4%	19.8%	50%
Indirect Auto %	14.5% -7.1% YoY-4.5% QoQ	+0.7%	13.8%	6.7%	7.8%	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)

Compare against:

Comparing against 2556 peers in tier

Top Strengths (10 metrics)

170

Total Loans

balance_sheet

Value: $47.56M

Peer Median: -

#170 of 2556 Top 6.6% in <100M tier

284

Loan-to-Share Ratio

balance_sheet

Value: 88.87%

Peer Median: -

#284 of 2556 Top 11.1% in <100M tier

288

Fee Income Per Member

profitability

Value: $164.03

Peer Median: -

#288 of 2556 Top 11.2% in <100M tier

312

Loan-to-Member Ratio (LMR)

engagement

Value: $9,025

Peer Median: -

#312 of 2556 Top 12.2% in <100M tier

314

Total Members

engagement

Value: 5,270

Peer Median: -

#314 of 2556 Top 12.2% in <100M tier

409

Total Assets

balance_sheet

Value: $62.22M

Peer Median: -

#409 of 2556 Top 16.0% in <100M tier

416

Total Deposits

balance_sheet

Value: $53.52M

Peer Median: -

#416 of 2556 Top 16.2% in <100M tier

476

Total Delinquency Rate (60+ days)

risk

Value: 0.09%

Peer Median: -

#476 of 2556 Top 18.6% in <100M tier

508

AMR Growth Rate

growth

Value: 6.57%

Peer Median: -

#508 of 2556 Top 19.8% in <100M tier

632

Average Member Relationship (AMR)

engagement

Value: $19,181

Peer Median: -

#632 of 2556 Top 24.7% in <100M tier

Top Weaknesses (4 metrics)

2369

Indirect Auto Concentration (%)

balance_sheet

Value: 14.52%

Peer Median: -

#2369 of 2556 Bottom 7.4% in <100M tier

2134

Share Certificate Concentration (%)

balance_sheet

Value: 30.76%

Peer Median: -

#2134 of 2556 Bottom 16.5% in <100M tier

2066

First Mortgage Concentration (%)

balance_sheet

Value: 31.52%

Peer Median: -

#2066 of 2556 Bottom 19.2% in <100M tier

1994

Member Growth Rate

growth

Value: -4.15%

Peer Median: -

#1994 of 2556 Bottom 22.0% in <100M tier