BlastPoint's Credit Union Scorecard
PARTHENON
Charter #4809 · TN
2596 CUs in <100M nationally
88 in TN
PARTHENON has 3 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.68% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Loan-to-Share Ratio: Top 2.1% in tier
Key Concerns
Areas that may need attention
- - ROA 0.59% below tier average
- - Delinquency rate 6.62% above tier average
- - Total Delinquency Rate (60+ days): Bottom 2.8% in tier
- - AMR Growth Rate: Bottom 9.8% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,759
+1.5% YoY+0.6% QoQ
|
-866 |
2,625
-2.2% YoY
|
21,139
+4.9% YoY
|
33,089
+6.1% YoY
|
46% |
| Assets |
$17.2M
-6.3% YoY-3.5% QoQ
|
$-12.6M |
$29.9M
+1.1% YoY
|
$362.5M
+9.5% YoY
|
$547.7M
+7.8% YoY
|
45% |
| Loans |
$14.8M
-6.8% YoY-1.7% QoQ
|
$-984K |
$15.8M
-2.4% YoY
|
$271.1M
+9.1% YoY
|
$388.7M
+8.6% YoY
|
61% |
| Deposits |
$14.0M
-7.6% YoY-4.3% QoQ
|
$-11.5M |
$25.5M
+0.4% YoY
|
$303.0M
+8.7% YoY
|
$464.6M
+9.3% YoY
|
44% |
| ROA |
0.1%
-87.2% YoY-176.4% QoQ
|
-0.6% |
0.7%
-731.4% YoY
|
0.8%
+4.1% YoY
|
0.7%
+273.4% YoY
|
19% |
| NIM |
4.6%
+9.2% YoY+4.6% QoQ
|
+0.7% |
3.9%
+3.8% YoY
|
3.8%
+5.1% YoY
|
3.7%
+5.0% YoY
|
77% |
| Efficiency Ratio |
73.9%
+1.0% YoY-0.6% QoQ
|
-7.5% |
81.4%
-2.4% YoY
|
75.4%
-1.8% YoY
|
79.1%
-3.3% YoY
|
40% |
| Delinquency Rate |
8.1%
+10.7% YoY-4.3% QoQ
|
+6.6 |
1.5%
-2.0% YoY
|
1.1%
+8.5% YoY
|
1.2%
-0.9% YoY
|
Top 2.8% in tier |
| Loan To Share |
105.9%
+0.9% YoY+2.7% QoQ
|
+44.7% |
61.2%
-3.0% YoY
|
70.4%
-2.4% YoY
|
68.0%
-1.7% YoY
|
Top 2.3% in tier |
| AMR |
$16,341
-8.5% YoY-3.6% QoQ
|
+$2K |
$14,627
-2.7% YoY
|
$18,470
+2.4% YoY
|
$19,418
+1.3% YoY
|
64% |
| CD Concentration |
21.2%
-4.4% YoY+2.9% QoQ
|
-3.2% |
24.4%
+4.2% YoY
|
22.3%
+6.6% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
6.9%
+1.1% YoY
|
7.9%
-2.9% YoY
|
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)
Top Strengths (6 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
56
Loan-to-Share Ratio
balance_sheet
Value:
105.91%
Peer Avg: 61.23%
#56 of 2596
Top 2.1% in <100M tier
403
Loan-to-Member Ratio (LMR)
engagement
Value:
$8,405
Peer Avg: $5,488
#403 of 2596
Top 15.5% in <100M tier
516
Member Growth Rate
growth
Value:
1.50%
Peer Avg: 14.92%
#516 of 2596
Top 19.8% in <100M tier
602
Net Interest Margin (NIM)
profitability
Value:
4.61%
Peer Avg: 3.93%
#602 of 2596
Top 23.2% in <100M tier
647
Fee Income Per Member
profitability
Value:
$118.76
Peer Avg: $182.96
#647 of 2596
Top 24.9% in <100M tier
Top Weaknesses (6 metrics)
2525
Total Delinquency Rate (60+ days)
risk
Value:
8.13%
Peer Avg: 1.51%
#2525 of 2596
Bottom 2.8% in <100M tier
2343
AMR Growth Rate
growth
Value:
-8.55%
Peer Avg: 4.67%
#2343 of 2596
Bottom 9.8% in <100M tier
2332
Net Charge-Off Rate
risk
Value:
1.32%
Peer Avg: 0.57%
#2332 of 2596
Bottom 10.2% in <100M tier
2317
Asset Growth Rate
growth
Value:
-6.33%
Peer Avg: 1.82%
#2317 of 2596
Bottom 10.8% in <100M tier
2314
Deposit Growth Rate
growth
Value:
-7.59%
Peer Avg: 16.80%
#2314 of 2596
Bottom 10.9% in <100M tier
2103
Return on Assets (ROA)
profitability
Value:
0.09%
Peer Avg: 0.68%
#2103 of 2596
Bottom 19.0% in <100M tier