BlastPoint's Credit Union Scorecard
UNITED SOUTHEAST
Charter #4714 · TN
UNITED SOUTHEAST has 5 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Leader: Top 6.9% in tier
- + Organic Growth Engine: Top 8.1% in tier
- + Emerging Performer: Top 52.6% in tier
- + Net Interest Margin 0.01% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - ROA 0.00% below tier average
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
22,976
+4.7% YoY+1.2% QoQ
|
+7.3K |
15,628
-3.4% YoY
|
21,139
+4.9% YoY
|
33,089
+6.1% YoY
|
83% |
| Assets |
$242.5M
+4.3% YoY+0.5% QoQ
|
+$11.2M |
$231.3M
-0.0% YoY
|
$362.5M
+9.5% YoY
|
$547.7M
+7.8% YoY
|
62% |
| Loans |
$162.9M
+5.5% YoY+2.7% QoQ
|
+$15.1M |
$147.8M
-1.4% YoY
|
$271.1M
+9.1% YoY
|
$388.7M
+8.6% YoY
|
65% |
| Deposits |
$211.0M
+3.8% YoY+0.3% QoQ
|
+$10.8M |
$200.3M
-0.0% YoY
|
$303.0M
+8.7% YoY
|
$464.6M
+9.3% YoY
|
62% |
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 |
0.8%
+31.6% YoY-4.4% QoQ
|
-0.0% |
0.8%
+15.5% YoY
|
0.8%
+4.1% YoY
|
0.7%
+273.4% YoY
|
52% |
| NIM |
3.6%
+8.2% YoY+2.8% QoQ
|
+0.0% |
3.6%
+6.9% YoY
|
3.8%
+5.1% YoY
|
3.7%
+5.0% YoY
|
50% |
| Efficiency Ratio |
69.9%
-2.2% YoY-1.2% QoQ
|
-7.3% |
77.3%
-3.0% YoY
|
75.4%
-1.8% YoY
|
79.1%
-3.3% YoY
|
26% |
| Delinquency Rate |
0.5%
-16.2% YoY-1.5% QoQ
|
-0.4 |
0.9%
+7.6% YoY
|
1.1%
+8.5% YoY
|
1.2%
-0.9% YoY
|
35% |
| Loan To Share |
77.2%
+1.7% YoY+2.4% QoQ
|
+4.5% |
72.7%
-1.5% YoY
|
70.4%
-2.4% YoY
|
68.0%
-1.7% YoY
|
56% |
| AMR |
$16,273
-0.2% YoY+0.1% QoQ
|
$-8K |
$24,363
+2.9% YoY
|
$18,470
+2.4% YoY
|
$19,418
+1.3% YoY
|
Bottom 14.8% in tier |
| CD Concentration |
29.3%
+6.9% YoY+4.5% QoQ
|
+4.9% |
24.4%
+4.2% YoY
|
22.3%
+6.6% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
6.9%
+1.1% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (3)
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Concerns (0)
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)