BlastPoint's Credit Union Scorecard

SELECT SEVEN

Charter #6079 · TN

<100M

2508 CUs in <100M nationally 86 in TN

SELECT SEVEN has 4 strengths but faces 2 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

+ ROA 0.66% above tier average
+ Total Loans: Top 6.0% in tier
+ Loan-to-Share Ratio: Top 9.3% in tier
+ Fee Income Per Member: Top 9.4% in tier

Key Concerns

Areas that may need attention

- Member decline: -4.4% YoY
- Indirect Auto Concentration (%): Bottom 6.9% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (TN)	National Avg	Tier Percentile
Members	5,213 -4.4% YoY-1.1% QoQ	+2.5K	2,676 +1.6% YoY	21,412 +3.7% YoY	33,913 +5.7% YoY	Top 12.0% in tier
Assets	$62.8M +3.5% YoY+0.9% QoQ	+$32.6M	$30.2M +1.3% YoY	$379.6M +8.7% YoY	$578.3M +9.0% YoY	84%
Loans	$47.3M +0.1% YoY-0.6% QoQ	+$32.0M	$15.3M -2.0% YoY	$279.0M +7.7% YoY	$402.4M +8.7% YoY	Top 6.0% in tier
Deposits	$53.4M +2.8% YoY-0.2% QoQ	+$27.6M	$25.8M +0.7% YoY	$319.1M +8.0% YoY	$494.3M +9.1% YoY	84%

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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	0.8% -44.5% YoY-24.4% QoQ	+0.7%	0.1% -77.6% YoY	0.6% -5.0% YoY	0.4% -39.2% YoY	60%
NIM	3.4% +2.6% YoY+1.2% QoQ	-0.6%	4.0% +4.0% YoY	3.9% +5.1% YoY	3.8% +4.1% YoY	33%
Efficiency Ratio	78.9% +14.0% YoY+9.3% QoQ	-11.7%	90.6% +6.5% YoY	79.6% +1.7% YoY	84.6% +2.8% YoY	43%
Delinquency Rate	0.1% -45.6% YoY-20.2% QoQ	-1.4	1.5% +3.8% YoY	0.9% -14.5% YoY	1.2% +3.4% YoY	20%
Loan To Share	88.5% -2.7% YoY-0.4% QoQ	+30.0%	58.5% -3.0% YoY	68.3% -1.5% YoY	65.6% -1.4% YoY	Top 9.4% in tier
AMR	$19,314 +6.2% YoY+0.7% QoQ	+$4K	$14,884 -1.7% YoY	$18,957 +3.0% YoY	$19,920 +1.6% YoY	75%
CD Concentration	32.5% +9.7% YoY+5.5% QoQ	+8.2%	24.3%	22.3%	19.8%	50%
Indirect Auto %	14.3% -4.6% YoY-1.4% QoQ	+0.5%	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 (10 metrics)

151

Total Loans

balance_sheet

Value: $47.26M

Peer Median: $9.48M

#151 of 2508 Top 6.0% in <100M tier

233

Loan-to-Share Ratio

balance_sheet

Value: 88.48%

Peer Median: 58.72%

#233 of 2508 Top 9.3% in <100M tier

238

Fee Income Per Member

profitability

Value: $158.07

Peer Median: $60.42

#238 of 2508 Top 9.4% in <100M tier

285

Loan-to-Member Ratio (LMR)

engagement

Value: $9,066

Peer Median: $4,923

#285 of 2508 Top 11.3% in <100M tier

302

Total Members

engagement

Value: 5,213

Peer Median: 1,918

#302 of 2508 Top 12.0% in <100M tier

395

Total Assets

balance_sheet

Value: $62.77M

Peer Median: $21.86M

#395 of 2508 Top 15.7% in <100M tier

410

Total Deposits

balance_sheet

Value: $53.42M

Peer Median: $18.77M

#410 of 2508 Top 16.3% in <100M tier

495

Total Delinquency Rate (60+ days)

risk

Value: 0.07%

Peer Median: 0.65%

#495 of 2508 Top 19.7% in <100M tier

499

AMR Growth Rate

growth

Value: 6.24%

Peer Median: 1.27%

#499 of 2508 Top 19.9% in <100M tier

624

Average Member Relationship (AMR)

engagement

Value: $19,314

Peer Median: $13,926

#624 of 2508 Top 24.8% in <100M tier

Top Weaknesses (4 metrics)

2335

Indirect Auto Concentration (%)

balance_sheet

Value: 14.31%

Peer Median: 0.00%

#2335 of 2508 Bottom 6.9% in <100M tier

2154

Share Certificate Concentration (%)

balance_sheet

Value: 32.45%

Peer Median: 12.45%

#2154 of 2508 Bottom 14.2% in <100M tier

2037

First Mortgage Concentration (%)

balance_sheet

Value: 32.40%

Peer Median: 3.66%

#2037 of 2508 Bottom 18.8% in <100M tier

2006

Member Growth Rate

growth

Value: -4.44%

Peer Median: -1.37%

#2006 of 2508 Bottom 20.1% in <100M tier