BlastPoint's Credit Union Scorecard
TENNESSEE RIVER
Charter #14333 · TN
TENNESSEE RIVER has 6 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.41% above tier average
- + Net Interest Margin 0.84% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Efficiency Ratio: Top 4.2% in tier
- + Net Worth Ratio: Top 4.3% in tier
- + Loan-to-Share Ratio: Top 5.9% in tier
Key Concerns
Areas that may need attention
- - Member decline: -2.6% YoY
- - Deposit Growth Rate: Bottom 6.5% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,584
-2.6% YoY-0.3% QoQ
|
-1.0K |
2,625
-2.2% YoY
|
21,139
+4.9% YoY
|
33,089
+6.1% YoY
|
42% |
| Assets |
$16.0M
-6.2% YoY-1.9% QoQ
|
$-13.8M |
$29.9M
+1.1% YoY
|
$362.5M
+9.5% YoY
|
$547.7M
+7.8% YoY
|
43% |
| Loans |
$10.3M
+2.3% YoY+2.1% QoQ
|
$-5.4M |
$15.8M
-2.4% YoY
|
$271.1M
+9.1% YoY
|
$388.7M
+8.6% YoY
|
52% |
| Deposits |
$10.7M
-10.7% YoY-3.5% QoQ
|
$-14.8M |
$25.5M
+0.4% YoY
|
$303.0M
+8.7% YoY
|
$464.6M
+9.3% YoY
|
38% |
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| ROA |
2.1%
-194.8% YoY+32.7% QoQ
|
+1.4% |
0.7%
-731.4% YoY
|
0.8%
+4.1% YoY
|
0.7%
+273.4% YoY
|
Top 7.7% in tier |
| NIM |
4.8%
+20.5% YoY-1.6% QoQ
|
+0.8% |
3.9%
+3.8% YoY
|
3.8%
+5.1% YoY
|
3.7%
+5.0% YoY
|
81% |
| Efficiency Ratio |
45.9%
-69.6% YoY-11.2% QoQ
|
-35.5% |
81.4%
-2.4% YoY
|
75.4%
-1.8% YoY
|
79.1%
-3.3% YoY
|
Bottom 4.2% in tier |
| Delinquency Rate |
0.0%
-98.9% YoY-90.6% QoQ
|
-1.5 |
1.5%
-2.0% YoY
|
1.1%
+8.5% YoY
|
1.2%
-0.9% YoY
|
Bottom 13.0% in tier |
| Loan To Share |
96.8%
+14.7% YoY+5.8% QoQ
|
+35.5% |
61.2%
-3.0% YoY
|
70.4%
-2.4% YoY
|
68.0%
-1.7% YoY
|
Top 6.1% in tier |
| AMR |
$13,259
-2.2% YoY-0.5% QoQ
|
$-1K |
$14,627
-2.7% YoY
|
$18,470
+2.4% YoY
|
$19,418
+1.3% YoY
|
48% |
| CD Concentration | 1.5% | -22.9% |
24.4%
+4.2% YoY
|
22.3%
+6.6% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
6.9%
+1.1% YoY
|
7.9%
-2.9% YoY
|
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)