BlastPoint's Credit Union Scorecard
SMART CHOICE
Charter #68513 · TN
SMART CHOICE has 2 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.13% above tier average
- + Net Interest Margin 0.69% above tier average
Key Concerns
Areas that may need attention
- - Efficiency ratio 15.99% above tier (higher cost structure)
- - Member decline: -10.6% YoY
- - Net Charge-Off Rate: Bottom 3.6% in tier
- - Asset Growth Rate: Bottom 4.0% in tier
- - Member Growth Rate: Bottom 5.6% in tier
- - Deposit Growth Rate: Bottom 5.8% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 84 that size in Tennessee.
- Shares and deposits -11.4% year over year ($3.1M in shares and deposits).
- Membership: 824 members, -10.6% vs a year ago.
- Delinquency rate 1.03%.
- Return on assets 1.63%.
- Efficiency ratio 104.76% vs a 88.77% peer average.
- Loan-to-share ratio 44.81% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
824
-10.6% YoY-7.4% QoQ
|
-1.8K |
2,585
-1.7% YoY
|
22,058
+4.8% YoY
|
34,678
+6.6% YoY
|
24% |
| Assets |
$3.4M
-11.3% YoY-7.3% QoQ
|
$-26.8M |
$30.3M
+1.5% YoY
|
$390.3M
+9.5% YoY
|
$593.1M
+10.2% YoY
|
Bottom 14.0% in tier |
| Loans |
$1.4M
-6.3% YoY-6.5% QoQ
|
$-14.1M |
$15.5M
-1.7% YoY
|
$289.3M
+8.5% YoY
|
$418.6M
+10.1% YoY
|
Bottom 14.0% in tier |
| Deposits |
$3.1M
-11.4% YoY-7.6% QoQ
|
$-22.7M |
$25.8M
+1.1% YoY
|
$326.4M
+8.9% YoY
|
$504.8M
+10.3% YoY
|
16% |
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| ROA |
1.6%
+948.1% YoY-201.0% QoQ
|
+0.1% |
1.5%
+241.5% YoY
|
1.1%
+46.9% YoY
|
1.2%
+121.4% YoY
|
83% |
| NIM |
4.6%
+1.0% YoY+16.1% QoQ
|
+0.7% |
3.9%
+0.9% YoY
|
3.9%
+2.1% YoY
|
3.8%
+2.3% YoY
|
78% |
| Efficiency Ratio |
104.8%
+8.0% YoY-10.1% QoQ
|
+16.0% |
88.8%
-6.9% YoY
|
78.9%
+2.6% YoY
|
83.0%
-5.3% YoY
|
Bottom 10.6% in tier |
| Delinquency Rate |
1.0%
+89.0% YoY-39.7% QoQ
|
-0.5 |
1.5%
+2.1% YoY
|
1.1%
-1.7% YoY
|
1.3%
+2.6% YoY
|
62% |
| Loan To Share |
44.8%
+5.7% YoY+1.2% QoQ
|
-14.1% |
58.9%
-3.1% YoY
|
68.7%
-1.7% YoY
|
66.4%
-1.4% YoY
|
28% |
| AMR |
$5,472
+0.9% YoY+0.2% QoQ
|
$-9K |
$14,963
-6.8% YoY
|
$19,228
+3.5% YoY
|
$20,028
-0.9% YoY
|
Bottom 10.1% in tier |
| CD Concentration |
13.4%
+0.4% YoY+7.3% QoQ
|
-11.2% | 24.6% | 22.4% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 6.8% | 7.7% | 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)