BlastPoint's Credit Union Scorecard
TENNESSEE RIVER
Charter #14333 · TN
TENNESSEE RIVER demonstrates 4 strengths
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.81% above tier average
- + Net Interest Margin 0.68% above tier average
- + Net Worth Ratio: Top 4.2% in tier
- + Loan-to-Share Ratio: Top 6.5% in tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,561
-1.6% YoY-0.9% QoQ
|
-1.1K |
2,676
+1.6% YoY
|
21,412
+3.7% YoY
|
33,913
+5.7% YoY
|
42% |
| Assets |
$16.4M
-1.0% YoY+2.8% QoQ
|
$-13.8M |
$30.2M
+1.3% YoY
|
$379.6M
+8.7% YoY
|
$578.3M
+9.0% YoY
|
43% |
| Loans |
$10.2M
+0.9% YoY+0.1% QoQ
|
$-5.1M |
$15.3M
-2.0% YoY
|
$279.0M
+7.7% YoY
|
$402.4M
+8.7% YoY
|
52% |
| Deposits |
$11.0M
-3.3% YoY+3.4% QoQ
|
$-14.8M |
$25.8M
+0.7% YoY
|
$319.1M
+8.0% YoY
|
$494.3M
+9.1% YoY
|
38% |
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| ROA |
2.0%
+416.5% YoY+48.8% QoQ
|
+1.8% |
0.1%
-77.6% YoY
|
0.6%
-5.0% YoY
|
0.4%
-39.2% YoY
|
Top 7.1% in tier |
| NIM |
4.7%
+5.1% YoY-5.2% QoQ
|
+0.7% |
4.0%
+4.0% YoY
|
3.9%
+5.1% YoY
|
3.8%
+4.1% YoY
|
82% |
| Efficiency Ratio |
58.6%
+14.5% YoY-8.7% QoQ
|
-32.1% |
90.6%
+6.5% YoY
|
79.6%
+1.7% YoY
|
84.6%
+2.8% YoY
|
Top 10.5% in tier |
| Delinquency Rate |
0.0%
-90.2% YoY
|
-1.5 |
1.5%
+3.8% YoY
|
0.9%
-14.5% YoY
|
1.2%
+3.4% YoY
|
Top 14.8% in tier |
| Loan To Share |
92.3%
+4.3% YoY-3.3% QoQ
|
+33.8% |
58.5%
-3.0% YoY
|
68.3%
-1.5% YoY
|
65.6%
-1.4% YoY
|
Top 6.6% in tier |
| AMR |
$13,570
+0.3% YoY+2.7% QoQ
|
$-1K |
$14,884
-1.7% YoY
|
$18,957
+3.0% YoY
|
$19,920
+1.6% YoY
|
48% |
| CD Concentration |
2.7%
+12.0% QoQ
|
-21.5% | 24.3% | 22.3% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 6.8% | 7.7% | 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)