BlastPoint's Credit Union Scorecard

SELECT SEVEN

Charter #6079 · TN

2596 CUs in <100M nationally 88 in TN

SELECT SEVEN has 2 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 0.44% above tier average
+ Total Loans: Top 6.4% in tier

Key Concerns

Areas that may need attention

- Member decline: -5.8% YoY
- Indirect Auto Concentration (%): Bottom 7.7% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (TN)	National Avg	Tier Percentile
Members	5,352 -5.8% YoY-0.6% QoQ	+2.7K	2,625 -2.2% YoY	21,139 +4.9% YoY	33,089 +6.1% YoY	Top 12.1% in tier
Assets	$63.3M +4.6% YoY+3.0% QoQ	+$33.4M	$29.9M +1.1% YoY	$362.5M +9.5% YoY	$547.7M +7.8% YoY	85%
Loans	$47.7M +1.1% YoY+1.2% QoQ	+$31.9M	$15.8M -2.4% YoY	$271.1M +9.1% YoY	$388.7M +8.6% YoY	Top 6.5% in tier
Deposits	$54.3M +4.5% YoY+3.3% QoQ	+$28.9M	$25.5M +0.4% YoY	$303.0M +8.7% YoY	$464.6M +9.3% 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	1.1% -28.3% YoY-8.7% QoQ	+0.4%	0.7% -731.4% YoY	0.8% +4.1% YoY	0.7% +273.4% YoY	67%
NIM	3.4% +10.3% YoY-0.0% QoQ	-0.6%	3.9% +3.8% YoY	3.8% +5.1% YoY	3.7% +5.0% YoY	30%
Efficiency Ratio	71.9% +1.4% YoY+0.5% QoQ	-9.5%	81.4% -2.4% YoY	75.4% -1.8% YoY	79.1% -3.3% YoY	35%
Delinquency Rate	0.0% -88.2% YoY-79.1% QoQ	-1.5	1.5% -2.0% YoY	1.1% +8.5% YoY	1.2% -0.9% YoY	Bottom 13.4% in tier
Loan To Share	87.8% -3.3% YoY-2.1% QoQ	+26.5%	61.2% -3.0% YoY	70.4% -2.4% YoY	68.0% -1.7% YoY	Top 13.3% in tier
AMR	$19,059 +9.2% YoY+2.9% QoQ	+$4K	$14,627 -2.7% YoY	$18,470 +2.4% YoY	$19,418 +1.3% YoY	76%
CD Concentration	30.3% +6.5% YoY-1.1% QoQ	+5.9%	24.4% +4.2% YoY	22.3% +6.6% YoY	19.6% +6.2% YoY	50%
Indirect Auto %	15.2% +5.6% YoY+2.8% QoQ	+1.2%	14.0% -5.7% 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)

Compare against:

Comparing against 2596 peers in tier

Top Strengths (10 metrics)

168

Total Loans

balance_sheet

Value: $47.68M

Peer Avg: -

#168 of 2596 Top 6.4% in <100M tier

281

AMR Growth Rate

growth

Value: 9.21%

Peer Avg: -

#281 of 2596 Top 10.8% in <100M tier

313

Total Members

engagement

Value: 5,352

Peer Avg: -

#313 of 2596 Top 12.0% in <100M tier

314

Fee Income Per Member

profitability

Value: $159.73

Peer Avg: -

#314 of 2596 Top 12.1% in <100M tier

327

Loan-to-Member Ratio (LMR)

engagement

Value: $8,909

Peer Avg: -

#327 of 2596 Top 12.6% in <100M tier

342

Loan-to-Share Ratio

balance_sheet

Value: 87.77%

Peer Avg: -

#342 of 2596 Top 13.1% in <100M tier

350

Total Delinquency Rate (60+ days)

risk

Value: 0.01%

Peer Avg: -

#350 of 2596 Top 13.4% in <100M tier

399

Total Assets

balance_sheet

Value: $63.29M

Peer Avg: -

#399 of 2596 Top 15.3% in <100M tier

403

Total Deposits

balance_sheet

Value: $54.33M

Peer Avg: -

#403 of 2596 Top 15.5% in <100M tier

633

Average Member Relationship (AMR)

engagement

Value: $19,059

Peer Avg: -

#633 of 2596 Top 24.3% in <100M tier

Top Weaknesses (4 metrics)

2398

Indirect Auto Concentration (%)

balance_sheet

Value: 15.20%

Peer Avg: -

#2398 of 2596 Bottom 7.7% in <100M tier

2244

Member Growth Rate

growth

Value: -5.81%

Peer Avg: -

#2244 of 2596 Bottom 13.6% in <100M tier

2163

Share Certificate Concentration (%)

balance_sheet

Value: 30.29%

Peer Avg: -

#2163 of 2596 Bottom 16.7% in <100M tier

2053

First Mortgage Concentration (%)

balance_sheet

Value: 29.53%

Peer Avg: -

#2053 of 2596 Bottom 21.0% in <100M tier