BlastPoint's Credit Union Scorecard
SOUTHEAST FINANCIAL
Charter #68599 · TN
SOUTHEAST FINANCIAL has 8 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Leader: Top 50.0% in tier
- + Organic Growth Engine: Top 50.0% in tier
- + Net Interest Margin 0.79% above tier average
- + Strong member growth: 36.7% YoY
- + Total Members: Top 0.1% in tier
- + Member Growth Rate: Top 0.6% in tier
- + Total Deposits: Top 0.8% in tier
- + Total Loans: Top 0.8% in tier
Key Concerns
Areas that may need attention
- - Shrinking Wallet Share: Bottom 50.0% in tier
- - Credit Quality Pressure: Bottom 50.0% in tier
- - Efficiency Drag: Bottom 50.0% in tier
- - ROA 0.58% below tier average
- - Efficiency ratio 11.70% above tier (higher cost structure)
- - AMR Growth Rate: Bottom 0.4% in tier
- - Net Worth Ratio: Bottom 2.8% in tier
- - Average Member Relationship (AMR): Bottom 10.0% 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 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 25 that size in Tennessee.
- Shares and deposits +2.3% year over year ($429M in shares and deposits).
- Membership: 52,635 members, +36.7% vs a year ago.
- Delinquency rate 0.85%.
- Return on assets 0.28%.
- Efficiency ratio 88.43% vs a 76.73% peer average.
- Loan-to-share ratio 86.75% vs a 71.54% 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 |
52,635
+36.7% YoY+49.4% QoQ
|
+37.5K |
15,168
-2.6% YoY
|
22,058
+4.8% YoY
|
34,678
+6.6% YoY
|
Top 0.1% in tier |
| Assets |
$466.8M
+0.5% YoY-1.5% QoQ
|
+$234.8M |
$232.0M
+0.7% YoY
|
$390.3M
+9.5% YoY
|
$593.1M
+10.2% YoY
|
Top 3.3% in tier |
| Loans |
$372.3M
-2.8% YoY-1.9% QoQ
|
+$226.0M |
$146.3M
+0.2% YoY
|
$289.3M
+8.5% YoY
|
$418.6M
+10.1% YoY
|
Top 0.9% in tier |
| Deposits |
$429.1M
+2.3% YoY-2.1% QoQ
|
+$228.4M |
$200.7M
+0.2% YoY
|
$326.4M
+8.9% YoY
|
$504.8M
+10.3% YoY
|
Top 0.9% in tier |
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| ROA |
0.3%
-507.4% YoY+296.4% QoQ
|
-0.6% |
0.9%
+12.5% YoY
|
1.1%
+46.9% YoY
|
1.2%
+121.4% YoY
|
Bottom 13.4% in tier |
| NIM |
4.5%
+1.7% YoY+1.5% QoQ
|
+0.8% |
3.7%
+4.5% YoY
|
3.9%
+2.1% YoY
|
3.8%
+2.3% YoY
|
Top 11.4% in tier |
| Efficiency Ratio |
88.4%
-4.4% YoY-4.3% QoQ
|
+11.7% |
76.7%
-0.8% YoY
|
78.9%
+2.6% YoY
|
83.0%
-5.3% YoY
|
85% |
| Delinquency Rate |
0.9%
+23.0% YoY+11.3% QoQ
|
+0.0 |
0.9%
+6.6% YoY
|
1.1%
-1.7% YoY
|
1.3%
+2.6% YoY
|
60% |
| Loan To Share |
86.7%
-4.9% YoY+0.2% QoQ
|
+15.2% |
71.5%
-0.3% YoY
|
68.7%
-1.7% YoY
|
66.4%
-1.4% YoY
|
79% |
| AMR |
$15,226
-27.0% YoY-34.4% QoQ
|
$-10K |
$25,107
+3.2% YoY
|
$19,228
+3.5% YoY
|
$20,028
-0.9% YoY
|
Bottom 9.9% in tier |
| CD Concentration |
31.7%
+12.3% YoY+1.1% QoQ
|
+7.1% | 24.6% | 22.4% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 6.8% | 7.7% | 50% |
Signature Analysis
Strengths (2)
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (3)
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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)