BlastPoint's Credit Union Scorecard
SCENIC COMMUNITY
Charter #67747 · TN
SCENIC COMMUNITY has 2 strengths but faces 14 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 1.00% above tier average
- + First Mortgage Concentration (%): Top 9.0% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 15.8% in tier
- - Stagnation Risk: Bottom 24.0% in tier
- - Indirect Auto Dependency: Bottom 28.5% in tier
- - Membership Headwinds: Bottom 39.2% in tier
- - Institutional Decline: Bottom 69.5% in tier
- - Efficiency Drag: Bottom 73.7% in tier
- - Liquidity Strain: Bottom 96.5% in tier
- - ROA 1.02% below tier average
- - Efficiency ratio 9.17% above tier (higher cost structure)
- - Delinquency rate 0.17% above tier average
- - Member decline: -3.5% YoY
- - Indirect Auto Concentration (%): Bottom 0.7% in tier
- - Asset Growth Rate: Bottom 7.4% in tier
- - Net Charge-Off Rate: Bottom 7.5% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
14,159
-3.5% YoY-3.6% QoQ
|
-1.3K |
15,437
-2.9% YoY
|
21,265
+4.5% YoY
|
33,374
+5.7% YoY
|
54% |
| Assets |
$158.8M
-2.4% YoY-3.3% QoQ
|
$-73.1M |
$231.9M
+1.3% YoY
|
$372.5M
+10.3% YoY
|
$561.6M
+9.7% YoY
|
34% |
| Loans |
$130.1M
-2.3% YoY-0.6% QoQ
|
$-17.3M |
$147.3M
-0.1% YoY
|
$275.7M
+8.6% YoY
|
$397.0M
+8.8% YoY
|
53% |
| Deposits |
$142.7M
+0.6% YoY-2.6% QoQ
|
$-58.1M |
$200.8M
+0.8% YoY
|
$312.1M
+9.5% YoY
|
$477.3M
+9.7% YoY
|
37% |
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| ROA |
-0.3%
-206.7% YoY+19.2% QoQ
|
-1.0% |
0.8%
+18.2% YoY
|
0.7%
-5.8% YoY
|
0.7%
+15.9% YoY
|
Bottom 3.9% in tier |
| NIM |
4.6%
+16.4% YoY+2.2% QoQ
|
+1.0% |
3.6%
+6.7% YoY
|
3.8%
+3.7% YoY
|
3.8%
+5.1% YoY
|
Top 7.7% in tier |
| Efficiency Ratio |
86.2%
+4.1% YoY-2.6% QoQ
|
+9.2% |
77.0%
-3.1% YoY
|
79.4%
+2.9% YoY
|
79.7%
-3.3% YoY
|
81% |
| Delinquency Rate |
1.1%
+100.7% YoY+68.4% QoQ
|
+0.2 |
0.9%
+4.2% YoY
|
1.1%
-12.6% YoY
|
1.3%
-2.1% YoY
|
72% |
| Loan To Share |
91.1%
-2.9% YoY+2.1% QoQ
|
+18.9% |
72.2%
-1.1% YoY
|
70.0%
-2.2% YoY
|
67.4%
-1.7% YoY
|
Top 12.1% in tier |
| AMR |
$19,266
+2.8% YoY+2.0% QoQ
|
$-5K |
$24,676
+3.4% YoY
|
$18,770
+3.9% YoY
|
$19,687
+2.0% YoY
|
29% |
| CD Concentration |
25.2%
-9.8% YoY-11.2% QoQ
|
+0.7% | 24.4% | 22.4% | 19.8% | 50% |
| Indirect Auto % |
72.0%
-2.5% YoY-1.3% QoQ
|
+58.2% | 13.8% | 6.7% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (7)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
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)