BlastPoint's Credit Union Scorecard
UNITED SOUTHEAST
Charter #4714 · TN
UNITED SOUTHEAST has 2 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Leader: Top 50.0% in tier
- + Organic Growth Engine: Top 50.0% in tier
Key Concerns
Areas that may need attention
- - Shrinking Wallet Share: Bottom 50.0% in tier
- - ROA 0.32% below tier average
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 +4.8% year over year ($221M in shares and deposits).
- Membership: 23,703 members, +4.4% vs a year ago.
- Delinquency rate 0.40%.
- Return on assets 0.55%.
- Efficiency ratio 73.68% vs a 76.73% peer average.
- Loan-to-share ratio 72.46% 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 |
23,703
+4.4% YoY+0.8% QoQ
|
+8.5K |
15,168
-2.6% YoY
|
22,058
+4.8% YoY
|
34,678
+6.6% YoY
|
Top 13.7% in tier |
| Assets |
$256.0M
+6.2% YoY+0.0% QoQ
|
+$24.0M |
$232.0M
+0.7% YoY
|
$390.3M
+9.5% YoY
|
$593.1M
+10.2% YoY
|
65% |
| Loans |
$159.8M
+0.8% YoY+1.0% QoQ
|
+$13.5M |
$146.3M
+0.2% YoY
|
$289.3M
+8.5% YoY
|
$418.6M
+10.1% YoY
|
65% |
| Deposits |
$220.6M
+4.8% YoY-0.1% QoQ
|
+$19.8M |
$200.7M
+0.2% YoY
|
$326.4M
+8.9% YoY
|
$504.8M
+10.3% YoY
|
64% |
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| ROA |
0.5%
-33.3% YoY-13.5% QoQ
|
-0.3% |
0.9%
+12.5% YoY
|
1.1%
+46.9% YoY
|
1.2%
+121.4% YoY
|
32% |
| NIM |
3.7%
+5.1% YoY+3.7% QoQ
|
+0.0% |
3.7%
+4.5% YoY
|
3.9%
+2.1% YoY
|
3.8%
+2.3% YoY
|
50% |
| Efficiency Ratio |
73.7%
+4.1% YoY-4.7% QoQ
|
-3.1% |
76.7%
-0.8% YoY
|
78.9%
+2.6% YoY
|
83.0%
-5.3% YoY
|
37% |
| Delinquency Rate |
0.4%
-15.2% YoY+53.2% QoQ
|
-0.5 |
0.9%
+6.6% YoY
|
1.1%
-1.7% YoY
|
1.3%
+2.6% YoY
|
28% |
| Loan To Share |
72.5%
-3.8% YoY+1.1% QoQ
|
+0.9% |
71.5%
-0.3% YoY
|
68.7%
-1.7% YoY
|
66.4%
-1.4% YoY
|
49% |
| AMR |
$16,047
-1.3% YoY-0.5% QoQ
|
$-9K |
$25,107
+3.2% YoY
|
$19,228
+3.5% YoY
|
$20,028
-0.9% YoY
|
Bottom 13.3% in tier |
| CD Concentration |
29.2%
+4.1% YoY-2.6% QoQ
|
+4.7% | 24.6% | 22.4% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 6.8% | 7.7% | 50% |
Signature Analysis
Strengths (2)
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
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)