BlastPoint's Credit Union Scorecard

SCENIC COMMUNITY

Charter #67747 · TN

100M-500M

1070 CUs in 100M-500M nationally 25 in TN

SCENIC COMMUNITY has 2 strengths but faces 8 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 0.53% above tier average
+ First Mortgage Concentration (%): Top 9.7% in tier

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 50.0% in tier
- Stagnation Risk: Bottom 50.0% in tier
- Indirect Auto Dependency: Bottom 50.0% in tier
- Efficiency Drag: Bottom 50.0% in tier
- Membership Headwinds: Bottom 50.0% in tier
- Institutional Decline: Bottom 50.0% in tier
- ROA 1.18% below tier average
- Efficiency ratio 10.03% above tier (higher cost structure)

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (TN)	National Avg	Tier Percentile
Members	14,213 -3.0% YoY+0.4% QoQ	-932	15,145 -2.5% YoY	21,412 +3.7% YoY	33,913 +5.7% YoY	55%
Assets	$160.8M -0.4% YoY+1.3% QoQ	$-70.9M	$231.7M +0.8% YoY	$379.6M +8.7% YoY	$578.3M +9.0% YoY	35%
Loans	$126.5M -2.9% YoY-2.7% QoQ	$-17.6M	$144.1M +0.2% YoY	$279.0M +7.7% YoY	$402.4M +8.7% YoY	53%
Deposits	$145.6M +0.5% YoY+2.0% QoQ	$-55.5M	$201.1M +0.4% YoY	$319.1M +8.0% YoY	$494.3M +9.1% YoY	38%

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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	-0.5% +47.1% YoY+73.8% QoQ	-1.2%	0.7% +5.1% YoY	0.6% -5.0% YoY	0.4% -39.2% YoY	Bottom 3.5% in tier
NIM	4.2% -7.0% YoY-9.6% QoQ	+0.5%	3.6% +4.6% YoY	3.9% +5.1% YoY	3.8% +4.1% YoY	81%
Efficiency Ratio	88.1% -4.1% YoY+2.2% QoQ	+10.0%	78.0% -1.7% YoY	79.6% +1.7% YoY	84.6% +2.8% YoY	80%
Delinquency Rate	1.2% +97.3% YoY+14.0% QoQ	+0.4	0.8% +7.1% YoY	0.9% -14.5% YoY	1.2% +3.4% YoY	83%
Loan To Share	86.9% -3.4% YoY-4.7% QoQ	+16.5%	70.4% -0.4% YoY	68.3% -1.5% YoY	65.6% -1.4% YoY	83%
AMR	$19,149 +2.0% YoY-0.6% QoQ	$-6K	$24,918 +2.7% YoY	$18,957 +3.0% YoY	$19,920 +1.6% YoY	28%
CD Concentration	25.9% -2.1% YoY+3.1% QoQ	+1.7%	24.3%	22.3%	19.8%	50%
Indirect Auto %	71.0% -3.5% YoY-1.4% QoQ	+57.2%	13.8%	6.8%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (6)

Credit Quality Pressure

risk

#85 of 727 • Bottom 50.0% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.60% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

727 of 1070 Mid-Small & Community CUs have this signature | 1013 nationally

↓ Shrinking -60 CUs YoY | Rank improving

Stagnation Risk

risk

#112 of 570 • Bottom 50.0% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -3.02%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): -2.90%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

Delinquency Rate: 1.21%

(Tier: 0.76%, National: 1.19%)

worse than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

Indirect Auto Dependency

risk

#134 of 504 • Bottom 50.0% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): -0.43%

(Tier: 4.68%, National: 1663.40%)

worse than tier avg

Indirect Auto %: 70.99%

(Tier: 13.80%, National: 7.73%)

worse than tier avg

Member Growth (YoY): -3.02%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

504 of 1070 Mid-Small & Community CUs have this signature | 745 nationally

↓ Shrinking -29 CUs YoY | Rank worsening

Efficiency Drag

risk

#220 of 596 • Bottom 50.0% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 88.05%

(Tier: 77.94%, National: 84.64%)

worse than tier avg

ROA Change (YoY): -0.14% points

(Tier: 0.05% points, National: -0.45% points)

worse than tier avg

Member Growth (YoY): -3.02%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

596 of 1070 Mid-Small & Community CUs have this signature | 702 nationally

↓ Shrinking -84 CUs YoY | Rank improving

Membership Headwinds

decline

#264 of 570 • Bottom 50.0% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -3.02%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

Institutional Decline

decline

#160 of 250 • Bottom 50.0% in tier

Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.

Why This Signature

Total Assets: $160.80M

(Tier: $334.04M, National: $578.34M)

worse than tier avg

Member Growth (YoY): -3.02%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): -2.90%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

250 of 1070 Mid-Small & Community CUs have this signature | 289 nationally

→ No prior data (250 CUs now) | New qualifier

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 1070 peers in tier

Top Strengths (3 metrics)

105

First Mortgage Concentration (%)

balance_sheet

Value: 7.85%

Peer Median: 29.47%

#105 of 1070 Top 9.7% in 100M-500M tier

184

Loan-to-Share Ratio

balance_sheet

Value: 86.87%

Peer Median: 71.88%

#184 of 1070 Top 17.1% in 100M-500M tier

203

Net Interest Margin (NIM)

profitability

Value: 4.16%

Peer Median: 3.62%

#203 of 1070 Top 18.9% in 100M-500M tier

Top Weaknesses (11 metrics)

1061

Indirect Auto Concentration (%)

balance_sheet

Value: 70.99%

Peer Median: 6.61%

#1061 of 1070 Bottom 0.9% in 100M-500M tier

1033

Return on Assets (ROA)

profitability

Value: -0.45%

Peer Median: 0.69%

#1033 of 1070 Bottom 3.6% in 100M-500M tier

1005

Net Charge-Off Rate

risk

Value: 1.29%

Peer Median: 0.35%

#1005 of 1070 Bottom 6.2% in 100M-500M tier

914

Asset Growth Rate

growth

Value: -0.43%

Peer Median: 3.91%

#914 of 1070 Bottom 14.7% in 100M-500M tier

893

Total Delinquency Rate (60+ days)

risk

Value: 1.21%

Peer Median: 0.61%

#893 of 1070 Bottom 16.6% in 100M-500M tier

883

Loan Growth Rate

growth

Value: -2.90%

Peer Median: 2.93%

#883 of 1070 Bottom 17.6% in 100M-500M tier

875

Fee Income Per Member

profitability

Value: $99.02

Peer Median: $154.95

#875 of 1070 Bottom 18.3% in 100M-500M tier

855

Efficiency Ratio

profitability

Value: 88.05%

Peer Median: 78.68%

#855 of 1070 Bottom 20.2% in 100M-500M tier

855

Net Worth Ratio

risk

Value: 9.44%

Peer Median: 11.45%

#855 of 1070 Bottom 20.2% in 100M-500M tier

850

Member Growth Rate

growth

Value: -3.02%

Peer Median: -0.06%

#850 of 1070 Bottom 20.7% in 100M-500M tier