BlastPoint's Credit Union Scorecard

SOUTHEAST FINANCIAL

Charter #68599 · TN

100M-500M

1069 CUs in 100M-500M nationally 25 in TN

SOUTHEAST FINANCIAL has 6 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 0.91% above tier average
+ Total Loans: Top 0.5% in tier
+ Total Deposits: Top 1.1% in tier
+ Total Members: Top 2.3% in tier
+ Total Assets: Top 3.6% in tier

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 50.0% in tier
- Membership Headwinds: Bottom 50.0% in tier
- Stagnation Risk: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- Credit Risk Growth: Bottom 50.0% in tier
- ROA 0.75% below tier average
- Efficiency ratio 14.07% above tier (higher cost structure)
- Member decline: -4.1% YoY

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (TN)	National Avg	Tier Percentile
Members	37,059 -4.1% YoY-3.5% QoQ	+21.6K	15,437 -2.9% YoY	21,265 +4.5% YoY	33,374 +5.7% YoY	Top 2.4% in tier
Assets	$463.7M +1.4% YoY-1.0% QoQ	+$231.8M	$231.9M +1.3% YoY	$372.5M +10.3% YoY	$561.6M +9.7% YoY	Top 3.6% in tier
Loans	$380.4M +2.5% YoY-1.4% QoQ	+$233.1M	$147.3M -0.1% YoY	$275.7M +8.6% YoY	$397.0M +8.8% YoY	Top 0.6% in tier
Deposits	$425.4M +2.5% YoY+1.0% QoQ	+$224.6M	$200.8M +0.8% YoY	$312.1M +9.5% YoY	$477.3M +9.7% YoY	Top 1.2% 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	0.0% -95.0% YoY	-0.8%	0.8% +18.2% YoY	0.7% -5.8% YoY	0.7% +15.9% YoY	Bottom 6.6% in tier
NIM	4.5% +3.2% YoY+1.3% QoQ	+0.9%	3.6% +6.7% YoY	3.8% +3.7% YoY	3.8% +5.1% YoY	Top 9.0% in tier
Efficiency Ratio	91.1% +4.3% YoY-0.7% QoQ	+14.1%	77.0% -3.1% YoY	79.4% +2.9% YoY	79.7% -3.3% YoY	Bottom 8.1% in tier
Delinquency Rate	0.6% +15.9% YoY-32.0% QoQ	-0.2	0.9% +4.2% YoY	1.1% -12.6% YoY	1.3% -2.1% YoY	45%
Loan To Share	89.4% -0.0% YoY-2.4% QoQ	+17.2%	72.2% -1.1% YoY	70.0% -2.2% YoY	67.4% -1.7% YoY	84%
AMR	$21,743 +6.9% YoY+3.5% QoQ	$-3K	$24,676 +3.4% YoY	$18,770 +3.9% YoY	$19,687 +2.0% YoY	45%
CD Concentration	30.3% +15.5% YoY+5.0% QoQ	+5.9%	24.4%	22.4%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	6.7%	7.8%	50%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#321 of 513 • 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): 6.94%

(Tier: 4.17%, National: 4.00%)

better than tier avg

513 of 1069 Mid-Small & Community CUs have this signature | 662 nationally

↑ Growing +180 CUs YoY | New qualifier

Concerns (5)

Efficiency Drag

risk

#147 of 538 • 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: 91.09%

(Tier: 76.88%, National: 79.67%)

worse than tier avg

ROA Change (YoY): -0.15% points

(Tier: 0.11% points, National: 0.02% points)

worse than tier avg

Member Growth (YoY): -4.13%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

538 of 1069 Mid-Small & Community CUs have this signature | 633 nationally

↓ Shrinking -98 CUs YoY | Rank worsening

Membership Headwinds

decline

#180 of 554 • 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): -4.13%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally

→ No prior data (554 CUs now) | New qualifier

Stagnation Risk

risk

#269 of 554 • 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): -4.13%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

Loan Growth (YoY): 2.50%

(Tier: 4.11%, National: 111.96%)

worse than tier avg

Delinquency Rate: 0.65%

(Tier: 0.89%, National: 1.28%)

but better than tier avg

554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally

→ No prior data (554 CUs now) | New qualifier

Credit Quality Pressure

risk

#537 of 705 • 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): 0.09% points

(Tier: 0.03% points, National: 0.06% points)

worse than tier avg

705 of 1069 Mid-Small & Community CUs have this signature | 969 nationally

↓ Shrinking -150 CUs YoY | New qualifier

Credit Risk Growth

risk

#413 of 456 • 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): 2.50%

(Tier: 4.11%, National: 111.96%)

worse than tier avg

Delinquency Change (YoY): 0.09% points

(Tier: 0.03% points, National: 0.06% points)

worse than tier avg

456 of 1069 Mid-Small & Community CUs have this signature | 665 nationally

→ No prior data (456 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 1069 peers in tier

Top Strengths (9 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: -

#1 of 1069 Top 0.1% in 100M-500M tier

Total Loans

balance_sheet

Value: $380.40M

Peer Median: -

#6 of 1069 Top 0.5% in 100M-500M tier

Total Deposits

balance_sheet

Value: $425.37M

Peer Median: -

#13 of 1069 Top 1.1% in 100M-500M tier

Total Members

engagement

Value: 37,059

Peer Median: -

#26 of 1069 Top 2.3% in 100M-500M tier

Total Assets

balance_sheet

Value: $463.67M

Peer Median: -

#39 of 1069 Top 3.6% in 100M-500M tier

Net Interest Margin (NIM)

profitability

Value: 4.52%

Peer Median: -

#96 of 1069 Top 8.9% in 100M-500M tier

168

Loan-to-Share Ratio

balance_sheet

Value: 89.43%

Peer Median: -

#168 of 1069 Top 15.6% in 100M-500M tier

182

First Mortgage Concentration (%)

balance_sheet

Value: 13.47%

Peer Median: -

#182 of 1069 Top 16.9% in 100M-500M tier

254

AMR Growth Rate

growth

Value: 6.94%

Peer Median: -

#254 of 1069 Top 23.7% in 100M-500M tier

Top Weaknesses (5 metrics)

1033

Net Worth Ratio

risk

Value: 7.90%

Peer Median: -

#1033 of 1069 Bottom 3.5% in 100M-500M tier

998

Return on Assets (ROA)

profitability

Value: 0.01%

Peer Median: -

#998 of 1069 Bottom 6.7% in 100M-500M tier

983

Efficiency Ratio

profitability

Value: 91.09%

Peer Median: -

#983 of 1069 Bottom 8.1% in 100M-500M tier

920

Member Growth Rate

growth

Value: -4.13%

Peer Median: -

#920 of 1069 Bottom 14.0% in 100M-500M tier

826

Asset Growth Rate

growth

Value: 1.40%

Peer Median: -

#826 of 1069 Bottom 22.8% in 100M-500M tier