BlastPoint's Credit Union Scorecard

PARTHENON

Charter #4809 · TN

<100M

2508 CUs in <100M nationally 86 in TN

PARTHENON has 2 strengths but faces 7 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

+ Net Interest Margin 0.48% above tier average
+ Loan-to-Share Ratio: Top 3.7% in tier

Key Concerns

Areas that may need attention

- ROA 3.33% below tier average
- Delinquency rate 2.45% above tier average
- Net Charge-Off Rate: Bottom 2.6% in tier
- Asset Growth Rate: Bottom 6.7% in tier
- AMR Growth Rate: Bottom 7.7% in tier
- Total Delinquency Rate (60+ days): Bottom 7.9% in tier
- Deposit Growth Rate: Bottom 8.8% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (TN)	National Avg	Tier Percentile
Members	1,778 +2.8% YoY+0.2% QoQ	-898	2,676 +1.6% YoY	21,412 +3.7% YoY	33,913 +5.7% YoY	47%
Assets	$17.3M -8.5% YoY-1.5% QoQ	$-12.9M	$30.2M +1.3% YoY	$379.6M +8.7% YoY	$578.3M +9.0% YoY	44%
Loans	$14.0M -5.7% YoY-2.5% QoQ	$-1.2M	$15.3M -2.0% YoY	$279.0M +7.7% YoY	$402.4M +8.7% YoY	60%
Deposits	$14.3M -8.5% YoY-0.8% QoQ	$-11.4M	$25.8M +0.7% YoY	$319.1M +8.0% YoY	$494.3M +9.1% YoY	44%

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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	-3.2% -3405.8% YoY+418.6% QoQ	-3.3%	0.1% -77.6% YoY	0.6% -5.0% YoY	0.4% -39.2% YoY	Bottom 3.2% in tier
NIM	4.5% +9.3% YoY-2.7% QoQ	+0.5%	4.0% +4.0% YoY	3.9% +5.1% YoY	3.8% +4.1% YoY	76%
Efficiency Ratio	82.2% +4.4% YoY+12.1% QoQ	-8.5%	90.6% +6.5% YoY	79.6% +1.7% YoY	84.6% +2.8% YoY	51%
Delinquency Rate	4.0% -60.2% YoY-44.9% QoQ	+2.5	1.5% +3.8% YoY	0.9% -14.5% YoY	1.2% +3.4% YoY	Bottom 7.9% in tier
Loan To Share	97.9% +3.0% YoY-1.7% QoQ	+39.4%	58.5% -3.0% YoY	68.3% -1.5% YoY	65.6% -1.4% YoY	Top 3.9% in tier
AMR	$15,964 -9.6% YoY-1.9% QoQ	+$1K	$14,884 -1.7% YoY	$18,957 +3.0% YoY	$19,920 +1.6% YoY	60%
CD Concentration	21.9% -11.0% YoY+3.4% QoQ	-2.3%	24.3%	22.3%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	6.8%	7.7%	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 2508 peers in tier

Top Strengths (6 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 0.00%

#1 of 2508 Top 0.1% in <100M tier

Loan-to-Share Ratio

balance_sheet

Value: 97.89%

Peer Median: 58.72%

#95 of 2508 Top 3.7% in <100M tier

322

Member Growth Rate

growth

Value: 2.77%

Peer Median: -1.37%

#322 of 2508 Top 12.8% in <100M tier

456

Loan-to-Member Ratio (LMR)

engagement

Value: $7,897

Peer Median: $4,923

#456 of 2508 Top 18.1% in <100M tier

593

Fee Income Per Member

profitability

Value: $112.22

Peer Median: $60.42

#593 of 2508 Top 23.6% in <100M tier

598

Net Interest Margin (NIM)

profitability

Value: 4.49%

Peer Median: 3.83%

#598 of 2508 Top 23.8% in <100M tier

Top Weaknesses (6 metrics)

2444

Net Charge-Off Rate

risk

Value: 4.49%

Peer Median: 0.07%

#2444 of 2508 Bottom 2.6% in <100M tier

2428

Return on Assets (ROA)

profitability

Value: -3.18%

Peer Median: 0.61%

#2428 of 2508 Bottom 3.2% in <100M tier

2340

Asset Growth Rate

growth

Value: -8.53%

Peer Median: 1.30%

#2340 of 2508 Bottom 6.7% in <100M tier

2316

AMR Growth Rate

growth

Value: -9.64%

Peer Median: 1.27%

#2316 of 2508 Bottom 7.7% in <100M tier

2312

Total Delinquency Rate (60+ days)

risk

Value: 3.96%

Peer Median: 0.65%

#2312 of 2508 Bottom 7.9% in <100M tier

2288

Deposit Growth Rate

growth

Value: -8.47%

Peer Median: 0.66%

#2288 of 2508 Bottom 8.8% in <100M tier