BlastPoint's Credit Union Scorecard
PARTHENON
Charter #4809 · TN
PARTHENON has 3 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.66% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Loan-to-Share Ratio: Top 4.3% in tier
Key Concerns
Areas that may need attention
- - ROA 1.23% below tier average
- - Delinquency rate 5.62% above tier average
- - Total Delinquency Rate (60+ days): Bottom 3.2% in tier
- - Net Charge-Off Rate: Bottom 7.1% in tier
- - AMR Growth Rate: Bottom 8.4% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,774
+2.3% YoY+0.9% QoQ
|
-841 |
2,615
-1.9% YoY
|
21,265
+4.5% YoY
|
33,374
+5.7% YoY
|
46% |
| Assets |
$17.6M
-5.6% YoY+2.1% QoQ
|
$-12.6M |
$30.1M
+2.1% YoY
|
$372.5M
+10.3% YoY
|
$561.6M
+9.7% YoY
|
45% |
| Loans |
$14.4M
-6.9% YoY-2.6% QoQ
|
$-1.4M |
$15.8M
-1.3% YoY
|
$275.7M
+8.6% YoY
|
$397.0M
+8.8% YoY
|
60% |
| Deposits |
$14.5M
-6.0% YoY+3.6% QoQ
|
$-11.2M |
$25.7M
+1.4% YoY
|
$312.1M
+9.5% YoY
|
$477.3M
+9.7% YoY
|
44% |
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 |
-0.6%
-217.6% YoY-800.4% QoQ
|
-1.2% |
0.6%
+10.8% YoY
|
0.7%
-5.8% YoY
|
0.7%
+15.9% YoY
|
Bottom 7.8% in tier |
| NIM |
4.6%
+11.9% YoY+0.0% QoQ
|
+0.7% |
4.0%
+4.0% YoY
|
3.8%
+3.7% YoY
|
3.8%
+5.1% YoY
|
76% |
| Efficiency Ratio |
73.3%
+0.9% YoY-0.8% QoQ
|
-9.3% |
82.6%
-2.3% YoY
|
79.4%
+2.9% YoY
|
79.7%
-3.3% YoY
|
34% |
| Delinquency Rate |
7.2%
-16.8% YoY-11.7% QoQ
|
+5.6 |
1.6%
-3.1% YoY
|
1.1%
-12.6% YoY
|
1.3%
-2.1% YoY
|
Top 3.2% in tier |
| Loan To Share |
99.6%
-0.9% YoY-6.0% QoQ
|
+39.0% |
60.6%
-3.1% YoY
|
70.0%
-2.2% YoY
|
67.4%
-1.7% YoY
|
Top 4.4% in tier |
| AMR |
$16,268
-8.5% YoY-0.4% QoQ
|
+$1K |
$14,783
-1.4% YoY
|
$18,770
+3.9% YoY
|
$19,687
+2.0% YoY
|
63% |
| CD Concentration |
21.2%
-16.0% YoY+0.2% QoQ
|
-3.2% | 24.4% | 22.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 6.7% | 7.8% | 50% |
Signature Analysis
Strengths (0)
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)