BlastPoint's Credit Union Scorecard
TENNESSEE RIVER
Charter #14333 · TN
TENNESSEE RIVER demonstrates 5 strengths
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.69% above tier average
- + Net Interest Margin 0.99% above tier average
- + Net Worth Ratio: Top 4.2% in tier
- + Loan-to-Share Ratio: Top 6.3% in tier
- + Net Charge-Off Rate: Top 8.1% in tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,575
-0.9% YoY-0.6% QoQ
|
-1.0K |
2,615
-1.9% YoY
|
21,265
+4.5% YoY
|
33,374
+5.7% YoY
|
42% |
| Assets |
$16.0M
-2.4% YoY-0.4% QoQ
|
$-14.2M |
$30.1M
+2.1% YoY
|
$372.5M
+10.3% YoY
|
$561.6M
+9.7% YoY
|
42% |
| Loans |
$10.2M
+0.4% YoY-1.6% QoQ
|
$-5.6M |
$15.8M
-1.3% YoY
|
$275.7M
+8.6% YoY
|
$397.0M
+8.8% YoY
|
51% |
| Deposits |
$10.7M
-5.3% YoY-0.2% QoQ
|
$-15.0M |
$25.7M
+1.4% YoY
|
$312.1M
+9.5% YoY
|
$477.3M
+9.7% YoY
|
38% |
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| ROA |
1.3%
+74.6% YoY-37.3% QoQ
|
+0.7% |
0.6%
+10.8% YoY
|
0.7%
-5.8% YoY
|
0.7%
+15.9% YoY
|
79% |
| NIM |
4.9%
+17.6% YoY+3.5% QoQ
|
+1.0% |
4.0%
+4.0% YoY
|
3.8%
+3.7% YoY
|
3.8%
+5.1% YoY
|
84% |
| Efficiency Ratio |
64.2%
-11.5% YoY+39.7% QoQ
|
-18.4% |
82.6%
-2.3% YoY
|
79.4%
+2.9% YoY
|
79.7%
-3.3% YoY
|
17% |
| Delinquency Rate |
0.0%
-93.9% YoY
|
-1.5 |
1.6%
-3.1% YoY
|
1.1%
-12.6% YoY
|
1.3%
-2.1% YoY
|
Top 13.5% in tier |
| Loan To Share |
95.4%
+6.0% YoY-1.4% QoQ
|
+34.8% |
60.6%
-3.1% YoY
|
70.0%
-2.2% YoY
|
67.4%
-1.7% YoY
|
Top 6.4% in tier |
| AMR |
$13,213
-1.7% YoY-0.3% QoQ
|
$-2K |
$14,783
-1.4% YoY
|
$18,770
+3.9% YoY
|
$19,687
+2.0% YoY
|
47% |
| CD Concentration |
2.5%
+65.5% QoQ
|
-22.0% | 24.4% | 22.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 6.7% | 7.8% | 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)