SMART FINANCIAL

Charter #67927 | TX

750M-1B (112 CUs) Community (281 CUs)
12 750M-1B in TX

SMART FINANCIAL has 5 strengths but faces 9 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Relationship Depth Leader: Top 12.3% in tier
  • + Wallet Share Momentum: Top 17.1% in tier
  • + Net Interest Margin 0.75% above tier average
  • + Indirect Auto Concentration (%): Top 0.0% in tier
  • + Share Certificate Concentration (%): Top 2.7% in tier

Key Concerns

Areas that may need attention

  • - Growth-at-Risk: Bottom 9.9% in tier
  • - Credit Quality Pressure: Bottom 10.5% in tier
  • - Stagnation Risk: Bottom 21.6% in tier
  • - Membership Headwinds: Bottom 22.2% in tier
  • - ROA 0.01% below tier average
  • - Efficiency ratio 2.64% above tier (higher cost structure)
  • - Delinquency rate 0.76% above tier average
  • - Asset Growth Rate: Bottom 4.5% in tier
  • - Total Delinquency Rate (60+ days): Bottom 8.9% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Members 59,542
-1.7% YoY+0.0% QoQ
 +7.4K 52,114
-2.1% YoY
 26,896
+3.7% YoY
 33,089
+6.1% YoY
 67th in tier
Assets $800.6M
-5.1% YoY-0.2% QoQ
 $-58.5M $859.0M
+0.0% YoY
 $411.3M
+5.9% YoY
 $547.7M
+7.8% YoY
 Bottom 23.2% in tier
Loans $565.4M
+6.4% YoY-0.3% QoQ
 $-38.0M $603.4M
+1.0% YoY
 $295.8M
+5.3% YoY
 $388.7M
+8.6% YoY
 30th in tier
Deposits $694.8M
+1.0% YoY-0.4% QoQ
 $-39.3M $734.2M
+0.9% YoY
 $341.5M
+6.1% YoY
 $464.6M
+9.3% YoY
 31st in tier
ROA 0.7%
+79.0% YoY+7.0% QoQ
 -0.0% 0.7%
+27.6% YoY
 0.5%
-24.0% YoY
 0.7%
+273.4% YoY
 49th in tier
NIM 4.1%
+23.1% YoY+0.2% QoQ
 +0.8% 3.4%
+9.6% YoY
 3.9%
+4.3% YoY
 3.7%
+5.0% YoY
 Top 9.8% in tier
Efficiency Ratio 77.2%
-11.2% YoY-0.8% QoQ
 +2.6% 74.5%
-3.2% YoY
 79.6%
-0.9% YoY
 79.1%
-3.3% YoY
 51st in tier
Delinquency Rate 1.6%
+23.6% YoY+32.0% QoQ
 +0.8 0.8%
+5.0% YoY
 1.2%
+20.3% YoY
 1.2%
-0.9% YoY
 Top 8.9% in tier
Loan To Share 81.4%
+5.3% YoY+0.1% QoQ
 -1.3% 82.7%
+0.1% YoY
 71.8%
-2.5% YoY
 68.0%
-1.7% YoY
 35th in tier
AMR $21,165
+5.1% YoY-0.4% QoQ
 $-7K $28,651
+2.5% YoY
 $17,515
+1.3% YoY
 $19,418
+1.3% YoY
 Bottom 24.1% in tier
CD Concentration 9.8%
+12.7% YoY+1.2% QoQ
 -14.6% 24.4%
+4.2% YoY
 20.9%
+7.1% YoY
 19.6%
+6.2% YoY
 Bottom 8.5% in tier
Indirect Auto % 0.0% -14.0% 14.0%
-5.8% YoY
 7.2%
-0.2% YoY
 7.9%
-2.9% YoY
 Bottom 0.0% in tier

Signature Analysis

Strengths (2)

Relationship Depth Leader

growth
#340 of 1006 • Top 12.3% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 5.10%
(Tier: 3.68%, National: 4.19%)
better than tier avg
Share Draft per Member: $2.9K
(Tier: $2.8K, National: $2.0K)
better than tier avg
1006 of 281 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank improving

Wallet Share Momentum

growth
#472 of 1006 • Top 17.1% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 5.10%
(Tier: 3.68%, National: 4.19%)
better than tier avg
1006 of 281 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank improving

Concerns (4)

Growth-at-Risk

risk
#149 of 446 • Bottom 9.9% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature
Loan Growth (YoY): 6.35%
(Tier: 3.64%, National: 36.38%)
but better than tier avg
Delinquency Change (YoY): 0.30% points
(Tier: 0.04% points, National: 0.07% points)
worse than tier avg
446 of 281 Community CUs have this signature | 646 nationally
↓ Shrinking -77 CUs YoY | New qualifier

Credit Quality Pressure

risk
#261 of 736 • Bottom 10.5% in tier

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

Why This Signature
Delinquency Change (YoY): 0.30% points
(Tier: 0.04% points, National: 0.07% points)
worse than tier avg
736 of 281 Community CUs have this signature | 1002 nationally
↓ Shrinking -199 CUs YoY | New qualifier

Stagnation Risk

risk
#357 of 550 • Bottom 21.6% in tier

Membership is declining. If profitability remains stable, current success may mask future risk from a shrinking member base.

Why This Signature
Return on Assets: 0.70%
(Tier: 0.77%, National: 0.71%)
worse than tier avg
Member Growth (YoY): -1.66%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
Avg Member Relationship: $21.2K
(Tier: $25.0K, National: $19.4K)
worse than tier avg
CD Concentration: 9.76%
(Tier: 24.41%, National: 19.60%)
but better than tier avg
550 of 281 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 CUs YoY | Rank worsening

Membership Headwinds

decline
#367 of 550 • Bottom 22.2% in tier

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

Why This Signature
Member Growth (YoY): -1.66%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
550 of 281 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 CUs YoY | Rank worsening

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)

Comparing against 112 peers in tier

Top Strengths (4 metrics)

1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Avg: 16.60%
#1 of 112 Top 0.0% in 750M-1B tier
4
Share Certificate Concentration (%)
balance_sheet
Value: 9.76%
Peer Avg: 28.34%
#4 of 112 Top 2.7% in 750M-1B tier
11
Net Interest Margin (NIM)
profitability
Value: 4.13%
Peer Avg: 3.38%
#11 of 112 Top 8.9% in 750M-1B tier
19
Fee Income Per Member
profitability
Value: $261.12
Peer Avg: $204.75
#19 of 112 Top 16.1% in 750M-1B tier

Top Weaknesses (7 metrics)

108
Asset Growth Rate
growth
Value: -5.11%
Peer Avg: 4.25%
#108 of 112 Bottom 4.5% in 750M-1B tier
103
Total Delinquency Rate (60+ days)
risk
Value: 1.58%
Peer Avg: 0.82%
#103 of 112 Bottom 8.9% in 750M-1B tier
96
Deposit Growth Rate
growth
Value: 1.03%
Peer Avg: 5.03%
#96 of 112 Bottom 15.2% in 750M-1B tier
90
Member Growth Rate
growth
Value: -1.66%
Peer Avg: 1.14%
#90 of 112 Bottom 20.5% in 750M-1B tier
86
Loan-to-Member Ratio (LMR)
engagement
Value: $9,495
Peer Avg: $12,810
#86 of 112 Bottom 24.1% in 750M-1B tier
86
Total Assets
balance_sheet
Value: $800.55M
Peer Avg: $859.01M
#86 of 112 Bottom 24.1% in 750M-1B tier
85
Average Member Relationship (AMR)
engagement
Value: $21,165
Peer Avg: $28,651
#85 of 112 Bottom 25.0% in 750M-1B tier