BlastPoint's Credit Union Scorecard

SMART CHOICE

Charter #68513 · TN

<100M

2508 CUs in <100M nationally 86 in TN

SMART CHOICE faces 5 concerns requiring attention

National Analysis

How does the industry compare?

TN Analysis

How does TN stack up?

Key Strengths

Areas where this CU excels compared to peers

No key strengths identified

Key Concerns

Areas that may need attention

- ROA 1.76% below tier average
- Efficiency ratio 25.83% above tier (higher cost structure)
- Delinquency rate 0.20% above tier average
- Member decline: -3.6% YoY
- Net Charge-Off Rate: Bottom 8.2% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (TN)	National Avg	Tier Percentile
Members	890 -3.6% YoY+1.7% QoQ	-1.8K	2,676 +1.6% YoY	21,412 +3.7% YoY	33,913 +5.7% YoY	26%
Assets	$3.7M +0.2% YoY+0.9% QoQ	$-26.5M	$30.2M +1.3% YoY	$379.6M +8.7% YoY	$578.3M +9.0% YoY	Bottom 15.0% in tier
Loans	$1.5M -1.0% YoY+1.0% QoQ	$-13.8M	$15.3M -2.0% YoY	$279.0M +7.7% YoY	$402.4M +8.7% YoY	Bottom 14.8% in tier
Deposits	$3.4M +0.9% YoY+1.4% QoQ	$-22.4M	$25.8M +0.7% YoY	$319.1M +8.0% YoY	$494.3M +9.1% YoY	17%

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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	-1.6% +974.4% YoY+437.8% QoQ	-1.8%	0.1% -77.6% YoY	0.6% -5.0% YoY	0.4% -39.2% YoY	Bottom 5.8% in tier
NIM	4.0% -14.3% YoY-12.9% QoQ	-0.1%	4.0% +4.0% YoY	3.9% +5.1% YoY	3.8% +4.1% YoY	56%
Efficiency Ratio	116.5% +13.4% YoY+13.9% QoQ	+25.8%	90.6% +6.5% YoY	79.6% +1.7% YoY	84.6% +2.8% YoY	Bottom 6.6% in tier
Delinquency Rate	1.7% -45.1% QoQ	+0.2	1.5% +3.8% YoY	0.9% -14.5% YoY	1.2% +3.4% YoY	77%
Loan To Share	44.3% -1.9% YoY-0.4% QoQ	-14.2%	58.5% -3.0% YoY	68.3% -1.5% YoY	65.6% -1.4% YoY	28%
AMR	$5,462 +4.0% YoY-0.5% QoQ	$-9K	$14,884 -1.7% YoY	$18,957 +3.0% YoY	$19,920 +1.6% YoY	Bottom 10.2% in tier
CD Concentration	12.4% -36.7% YoY-6.3% QoQ	-11.8%	24.3%	22.3%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	6.8%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

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 2508 peers in tier

Top Strengths (2 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 0.00%

#1 of 2508 Top 0.1% in <100M tier

531

Members Per Employee (MPE)

engagement

Value: 445.000

Peer Median: 333.750

#531 of 2508 Top 21.1% in <100M tier

Top Weaknesses (10 metrics)

2363

Return on Assets (ROA)

profitability

Value: -1.61%

Peer Median: 0.61%

#2363 of 2508 Bottom 5.8% in <100M tier

2343

Efficiency Ratio

profitability

Value: 116.47%

Peer Median: 81.45%

#2343 of 2508 Bottom 6.6% in <100M tier

2303

Net Charge-Off Rate

risk

Value: 1.66%

Peer Median: 0.07%

#2303 of 2508 Bottom 8.2% in <100M tier

2251

Average Member Relationship (AMR)

engagement

Value: $5,462

Peer Median: $13,926

#2251 of 2508 Bottom 10.3% in <100M tier

2246

Loan-to-Member Ratio (LMR)

engagement

Value: $1,676

Peer Median: $4,923

#2246 of 2508 Bottom 10.5% in <100M tier

2245

Net Worth Ratio

risk

Value: 9.06%

Peer Median: 14.28%

#2245 of 2508 Bottom 10.5% in <100M tier

2137

Total Loans

balance_sheet

Value: $1.49M

Peer Median: $9.48M

#2137 of 2508 Bottom 14.8% in <100M tier

2132

Total Assets

balance_sheet

Value: $3.71M

Peer Median: $21.86M

#2132 of 2508 Bottom 15.0% in <100M tier

2085

Total Deposits

balance_sheet

Value: $3.37M

Peer Median: $18.77M

#2085 of 2508 Bottom 16.9% in <100M tier

1941

Total Delinquency Rate (60+ days)

risk

Value: 1.70%

Peer Median: 0.65%

#1941 of 2508 Bottom 22.6% in <100M tier