SHELBY COUNTY
Charter #14733 | TN
<100M
(2596 CUs)
Micro
($0-$500M)
88 <100M in TN
SHELBY COUNTY has 6 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.32% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Total Members: Top 1.4% in tier
- + Total Assets: Top 3.5% in tier
- + Total Deposits: Top 4.4% in tier
Key Concerns
Areas that may need attention
- - ROA 0.35% below tier average
- - Efficiency ratio 3.11% above tier (higher cost structure)
- - Member decline: -8.9% YoY
- - Member Growth Rate: Bottom 7.1% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
9,640
-8.9% YoY-0.9% QoQ
|
+7.0K |
2,625
-2.2% YoY
|
21,139
+4.9% YoY
|
33,089
+6.1% YoY
|
Top 1.4% in tier |
| Assets |
$90.8M
+1.5% YoY+0.1% QoQ
|
+$61.0M |
$29.9M
+1.1% YoY
|
$362.5M
+9.5% YoY
|
$547.7M
+7.8% YoY
|
Top 3.5% in tier |
| Loans |
$35.6M
-14.0% YoY-1.8% QoQ
|
+$19.8M |
$15.8M
-2.4% YoY
|
$271.1M
+9.1% YoY
|
$388.7M
+8.6% YoY
|
Top 13.7% in tier |
| Deposits |
$75.8M
+0.5% YoY-0.6% QoQ
|
+$50.3M |
$25.5M
+0.4% YoY
|
$303.0M
+8.7% YoY
|
$464.6M
+9.3% YoY
|
Top 4.4% in tier |
| ROA |
0.3%
-80.4% YoY-48.1% QoQ
|
-0.3% |
0.7%
-731.4% YoY
|
0.8%
+4.1% YoY
|
0.7%
+273.4% YoY
|
29th in tier |
| NIM |
4.3%
-0.5% YoY+1.4% QoQ
|
+0.3% |
3.9%
+3.8% YoY
|
3.8%
+5.1% YoY
|
3.7%
+5.0% YoY
|
65th in tier |
| Efficiency Ratio |
84.5%
+34.0% YoY+2.1% QoQ
|
+3.1% |
81.4%
-2.4% YoY
|
75.4%
-1.8% YoY
|
79.1%
-3.3% YoY
|
66th in tier |
| Delinquency Rate |
0.8%
-14.2% YoY+38.3% QoQ
|
-0.8 |
1.5%
-2.0% YoY
|
1.1%
+8.5% YoY
|
1.2%
-0.9% YoY
|
54th in tier |
| Loan To Share |
47.0%
-14.5% YoY-1.3% QoQ
|
-14.3% |
61.2%
-3.0% YoY
|
70.4%
-2.4% YoY
|
68.0%
-1.7% YoY
|
28th in tier |
| AMR |
$11,556
+4.7% YoY-0.0% QoQ
|
$-3K |
$14,627
-2.7% YoY
|
$18,470
+2.4% YoY
|
$19,418
+1.3% YoY
|
37th in tier |
| CD Concentration |
6.9%
+8.6% YoY-1.1% QoQ
|
-17.5% |
24.4%
+4.2% YoY
|
22.3%
+6.6% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
6.9%
+1.1% YoY
|
7.9%
-2.9% YoY
|
50th in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
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)
Top Strengths (7 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 14.49%
#1 of 2596
Top 0.0% in <100M tier
37
Total Members
engagement
Value:
9,640
Peer Avg: 2,626
#37 of 2596
Top 1.4% in <100M tier
91
Total Assets
balance_sheet
Value:
$90.84M
Peer Avg: $29.86M
#91 of 2596
Top 3.5% in <100M tier
115
Total Deposits
balance_sheet
Value:
$75.80M
Peer Avg: $25.45M
#115 of 2596
Top 4.4% in <100M tier
355
Total Loans
balance_sheet
Value:
$35.60M
Peer Avg: $15.77M
#355 of 2596
Top 13.6% in <100M tier
407
Fee Income Per Member
profitability
Value:
$146.43
Peer Avg: $182.96
#407 of 2596
Top 15.6% in <100M tier
Top Weaknesses (3 metrics)
2412
Member Growth Rate
growth
Value:
-8.90%
Peer Avg: 14.92%
#2412 of 2596
Bottom 7.1% in <100M tier
2269
Loan Growth Rate
growth
Value:
-14.03%
Peer Avg: 59.01%
#2269 of 2596
Bottom 12.6% in <100M tier
2167
Net Charge-Off Rate
risk
Value:
0.89%
Peer Avg: 0.57%
#2167 of 2596
Bottom 16.6% in <100M tier