BlastPoint's Credit Union Scorecard
SMART CHOICE
Charter #68513 · TN
SMART CHOICE has 3 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.59% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + AMR Growth Rate: Top 6.2% in tier
Key Concerns
Areas that may need attention
- - ROA 0.92% below tier average
- - Efficiency ratio 19.67% above tier (higher cost structure)
- - Delinquency rate 1.55% above tier average
- - Member decline: -7.1% YoY
- - Member Growth Rate: Bottom 9.5% in tier
- - Loan-to-Member Ratio (LMR): Bottom 9.8% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
875
-7.1% YoY-7.7% QoQ
|
-1.7K |
2,615
-1.9% YoY
|
21,265
+4.5% YoY
|
33,374
+5.7% YoY
|
25% |
| Assets |
$3.7M
+6.6% YoY-2.4% QoQ
|
$-26.5M |
$30.1M
+2.1% YoY
|
$372.5M
+10.3% YoY
|
$561.6M
+9.7% YoY
|
Bottom 15.0% in tier |
| Loans |
$1.5M
-1.8% YoY-1.5% QoQ
|
$-14.3M |
$15.8M
-1.3% YoY
|
$275.7M
+8.6% YoY
|
$397.0M
+8.8% YoY
|
Bottom 14.4% in tier |
| Deposits |
$3.3M
+7.9% YoY-2.3% QoQ
|
$-22.4M |
$25.7M
+1.4% YoY
|
$312.1M
+9.5% YoY
|
$477.3M
+9.7% YoY
|
17% |
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| ROA |
-0.3%
-276.2% YoY-6328.5% QoQ
|
-0.9% |
0.6%
+10.8% YoY
|
0.7%
-5.8% YoY
|
0.7%
+15.9% YoY
|
Bottom 11.0% in tier |
| NIM |
4.5%
-15.0% YoY+1.3% QoQ
|
+0.6% |
4.0%
+4.0% YoY
|
3.8%
+3.7% YoY
|
3.8%
+5.1% YoY
|
74% |
| Efficiency Ratio |
102.2%
+5.2% YoY+7.3% QoQ
|
+19.7% |
82.6%
-2.3% YoY
|
79.4%
+2.9% YoY
|
79.7%
-3.3% YoY
|
Top 9.7% in tier |
| Delinquency Rate |
3.1%
+98.4% YoY+233.0% QoQ
|
+1.6 |
1.6%
-3.1% YoY
|
1.1%
-12.6% YoY
|
1.3%
-2.1% YoY
|
Top 12.4% in tier |
| Loan To Share |
44.4%
-9.0% YoY+0.8% QoQ
|
-16.2% |
60.6%
-3.1% YoY
|
70.0%
-2.2% YoY
|
67.4%
-1.7% YoY
|
25% |
| AMR |
$5,487
+12.8% YoY+6.1% QoQ
|
$-9K |
$14,783
-1.4% YoY
|
$18,770
+3.9% YoY
|
$19,687
+2.0% YoY
|
Bottom 10.5% in tier |
| CD Concentration |
13.3%
-14.7% YoY+7.7% QoQ
|
-11.1% | 24.4% | 22.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 6.7% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)