BlastPoint's Credit Union Scorecard

SOUTHEAST FINANCIAL

Charter #68599 · TN

100M-500M

1070 CUs in 100M-500M nationally 25 in TN

SOUTHEAST FINANCIAL has 7 strengths but faces 8 concerns

National Analysis

How does the industry compare?

TN Analysis

How does TN stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Wallet Share Momentum: Top 50.0% in tier
+ Net Interest Margin 0.77% above tier average
+ Total Deposits: Top 0.4% in tier
+ Total Loans: Top 0.4% in tier
+ Total Assets: Top 2.3% in tier
+ Total Members: Top 3.1% in tier
+ AMR Growth Rate: Top 6.0% in tier

Key Concerns

Areas that may need attention

- Membership Headwinds: Bottom 50.0% in tier
- Stagnation Risk: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- Efficiency Drag: Bottom 50.0% in tier
- Credit Risk Growth: Bottom 50.0% in tier
- ROA 0.66% below tier average
- Efficiency ratio 14.38% above tier (higher cost structure)
- Member decline: -8.4% YoY

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (TN)	National Avg	Tier Percentile
Members	35,238 -8.4% YoY-4.9% QoQ	+20.1K	15,145 -2.5% YoY	21,412 +3.7% YoY	33,913 +5.7% YoY	Top 3.2% in tier
Assets	$474.1M +1.8% YoY+2.2% QoQ	+$242.4M	$231.7M +0.8% YoY	$379.6M +8.7% YoY	$578.3M +9.0% YoY	Top 2.4% in tier
Loans	$379.4M +2.3% YoY-0.3% QoQ	+$235.2M	$144.1M +0.2% YoY	$279.0M +7.7% YoY	$402.4M +8.7% YoY	Top 0.5% in tier
Deposits	$438.3M +3.5% YoY+3.0% QoQ	+$237.1M	$201.1M +0.4% YoY	$319.1M +8.0% YoY	$494.3M +9.1% YoY	Top 0.5% in tier

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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	0.1% -130.3% YoY	-0.7%	0.7% +5.1% YoY	0.6% -5.0% YoY	0.4% -39.2% YoY	Bottom 10.8% in tier
NIM	4.4% +1.2% YoY-2.5% QoQ	+0.8%	3.6% +4.6% YoY	3.9% +5.1% YoY	3.8% +4.1% YoY	Top 11.4% in tier
Efficiency Ratio	92.4% -5.9% YoY+1.4% QoQ	+14.4%	78.0% -1.7% YoY	79.6% +1.7% YoY	84.6% +2.8% YoY	Bottom 10.7% in tier
Delinquency Rate	0.8% +67.5% YoY+17.9% QoQ	+0.0	0.8% +7.1% YoY	0.9% -14.5% YoY	1.2% +3.4% YoY	63%
Loan To Share	86.6% -1.2% YoY-3.2% QoQ	+16.1%	70.4% -0.4% YoY	68.3% -1.5% YoY	65.6% -1.4% YoY	82%
AMR	$23,204 +12.4% YoY+6.7% QoQ	$-2K	$24,918 +2.7% YoY	$18,957 +3.0% YoY	$19,920 +1.6% YoY	52%
CD Concentration	31.3% +15.1% YoY+3.4% QoQ	+7.0%	24.3%	22.3%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	6.8%	7.7%	50%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#81 of 491 • Top 50.0% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 12.41%

(Tier: 3.74%, National: 6.36%)

better than tier avg

491 of 1070 Mid-Small & Community CUs have this signature | 637 nationally

↑ Growing +107 CUs YoY | New qualifier

Concerns (5)

Membership Headwinds

decline

#56 of 570 • Bottom 50.0% in tier

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

Why This Signature

Member Growth (YoY): -8.40%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

Stagnation Risk

risk

#133 of 570 • Bottom 50.0% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -8.40%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): 2.32%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

Delinquency Rate: 0.77%

(Tier: 0.76%, National: 1.19%)

worse than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

Credit Quality Pressure

risk

#227 of 727 • Bottom 50.0% in tier

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

Why This Signature

Delinquency Change (YoY): 0.31% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

727 of 1070 Mid-Small & Community CUs have this signature | 1013 nationally

↓ Shrinking -60 CUs YoY | Rank improving

Efficiency Drag

risk

#354 of 596 • Bottom 50.0% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 92.40%

(Tier: 77.94%, National: 84.64%)

worse than tier avg

ROA Change (YoY): 0.31% points

(Tier: 0.05% points, National: -0.45% points)

but better than tier avg

Member Growth (YoY): -8.40%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

596 of 1070 Mid-Small & Community CUs have this signature | 702 nationally

↓ Shrinking -84 CUs YoY | Rank worsening

Credit Risk Growth

risk

#287 of 476 • Bottom 50.0% in tier

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

Why This Signature

Loan Growth (YoY): 2.32%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

Delinquency Change (YoY): 0.31% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

476 of 1070 Mid-Small & Community CUs have this signature | 710 nationally

→ No prior data (476 CUs now) | New qualifier

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 1070 peers in tier

Top Strengths (9 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 6.61%

#1 of 1070 Top 0.1% in 100M-500M tier

Total Deposits

balance_sheet

Value: $438.27M

Peer Median: $171.29M

#5 of 1070 Top 0.4% in 100M-500M tier

Total Loans

balance_sheet

Value: $379.39M

Peer Median: $121.41M

#5 of 1070 Top 0.4% in 100M-500M tier

Total Assets

balance_sheet

Value: $474.09M

Peer Median: $196.57M

#26 of 1070 Top 2.3% in 100M-500M tier

Total Members

engagement

Value: 35,238

Peer Median: 13,200

#34 of 1070 Top 3.1% in 100M-500M tier

AMR Growth Rate

growth

Value: 12.41%

Peer Median: 3.46%

#65 of 1070 Top 6.0% in 100M-500M tier

122

Net Interest Margin (NIM)

profitability

Value: 4.41%

Peer Median: 3.62%

#122 of 1070 Top 11.3% in 100M-500M tier

190

First Mortgage Concentration (%)

balance_sheet

Value: 13.59%

Peer Median: 29.47%

#190 of 1070 Top 17.7% in 100M-500M tier

193

Loan-to-Share Ratio

balance_sheet

Value: 86.57%

Peer Median: 71.88%

#193 of 1070 Top 17.9% in 100M-500M tier

Top Weaknesses (5 metrics)

1048

Net Worth Ratio

risk

Value: 7.74%

Peer Median: 11.45%

#1048 of 1070 Bottom 2.1% in 100M-500M tier

1019

Member Growth Rate

growth

Value: -8.40%

Peer Median: -0.06%

#1019 of 1070 Bottom 4.9% in 100M-500M tier

957

Efficiency Ratio

profitability

Value: 92.40%

Peer Median: 78.68%

#957 of 1070 Bottom 10.7% in 100M-500M tier

954

Return on Assets (ROA)

profitability

Value: 0.07%

Peer Median: 0.69%

#954 of 1070 Bottom 10.9% in 100M-500M tier

815

Share Certificate Concentration (%)

balance_sheet

Value: 31.31%

Peer Median: 23.10%

#815 of 1070 Bottom 23.9% in 100M-500M tier