TENNESSEE VALLEY

Charter #1520 | TN

1B-3B (304 CUs) Mid-Market (380 CUs)
4 1B-3B in TN

TENNESSEE VALLEY has 11 strengths but faces 2 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Organic Growth Engine: Top 5.2% in tier
  • + Wallet Share Momentum: Top 15.5% in tier
  • + Relationship Depth Leader: Top 16.3% in tier
  • + ROA 0.94% above tier average
  • + Net Interest Margin 0.73% above tier average
  • + Total Assets: Top 0.7% in tier
  • + Total Deposits: Top 1.6% in tier
  • + Total Loans: Top 2.0% in tier
  • + Total Members: Top 5.6% in tier
  • + Net Worth Ratio: Top 8.9% in tier
  • + Loan Growth Rate: Top 9.9% in tier

Key Concerns

Areas that may need attention

  • - Liquidity Overhang: Bottom 11.5% in tier
  • - Indirect Auto Dependency: Bottom 18.2% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (TN) National Avg Tier Percentile
Members 174,210
+4.1% YoY+1.1% QoQ
 +75.5K 98,678
-1.9% YoY
 21,139
+4.9% YoY
 33,089
+6.1% YoY
 Top 5.9% in tier
Assets $3.0B
+6.9% YoY+1.2% QoQ
 +$1.3B $1.7B
+0.5% YoY
 $362.5M
+9.5% YoY
 $547.7M
+7.8% YoY
 Top 1.0% in tier
Loans $2.2B
+13.3% YoY+2.6% QoQ
 +$992.9M $1.2B
+0.5% YoY
 $271.1M
+9.1% YoY
 $388.7M
+8.6% YoY
 Top 2.3% in tier
Deposits $2.5B
+6.1% YoY+0.8% QoQ
 +$1.0B $1.5B
+1.3% YoY
 $303.0M
+8.7% YoY
 $464.6M
+9.3% YoY
 Top 2.0% in tier
ROA 1.6%
-4.1% YoY+1.6% QoQ
 +0.9% 0.7%
+13.4% YoY
 0.8%
+4.1% YoY
 0.7%
+273.4% YoY
 Top 3.3% in tier
NIM 4.0%
+4.8% YoY+1.3% QoQ
 +0.7% 3.3%
+9.3% YoY
 3.8%
+5.1% YoY
 3.7%
+5.0% YoY
 Top 10.5% in tier
Efficiency Ratio 62.5%
+2.6% YoY-1.7% QoQ
 -11.5% 74.0%
-10.9% YoY
 75.4%
-1.8% YoY
 79.1%
-3.3% YoY
 Bottom 11.8% in tier
Delinquency Rate 0.8%
-0.7% YoY+15.3% QoQ
 -0.0 0.8%
+6.1% YoY
 1.1%
+8.5% YoY
 1.2%
-0.9% YoY
 62nd in tier
Loan To Share 89.0%
+6.7% YoY+1.8% QoQ
 +3.8% 85.2%
-0.8% YoY
 70.4%
-2.4% YoY
 68.0%
-1.7% YoY
 52nd in tier
AMR $27,129
+5.1% YoY+0.5% QoQ
 $-2K $29,172
+2.8% YoY
 $18,470
+2.4% YoY
 $19,418
+1.3% YoY
 47th in tier
CD Concentration 23.2%
-4.0% YoY+1.9% QoQ
 -5.8% 29.0%
+0.8% YoY
 22.3%
+6.6% YoY
 19.6%
+6.2% YoY
 Bottom 23.5% in tier
Indirect Auto % 23.5%
-0.1% YoY-1.1% QoQ
 +4.7% 18.8%
-2.8% YoY
 6.9%
+1.1% YoY
 7.9%
-2.9% YoY
 65th in tier

Signature Analysis

Strengths (3)

Organic Growth Engine

growth
#39 of 246 • Top 5.2% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 4.09%
(Tier: 3.18%, National: 9.37%)
better than tier avg
Return on Assets: 1.65%
(Tier: 0.71%, National: 0.71%)
better than tier avg
Indirect Auto %: 23.47%
(Tier: 18.80%, National: 7.90%)
but worse than tier avg
246 of 380 Mid-Market CUs have this signature | 917 nationally
↑ Growing +14 CUs YoY | New qualifier

Wallet Share Momentum

growth
#113 of 264 • Top 15.5% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 5.09%
(Tier: 3.04%, National: 4.19%)
better than tier avg
264 of 380 Mid-Market CUs have this signature | 1330 nationally
↑ Growing +60 CUs YoY | Rank worsening

Relationship Depth Leader

growth
#119 of 264 • Top 16.3% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 5.09%
(Tier: 3.04%, National: 4.19%)
better than tier avg
Share Draft per Member: $2.9K
(Tier: $3.1K, National: $2.0K)
but worse than tier avg
264 of 380 Mid-Market CUs have this signature | 1330 nationally
↑ Growing +60 CUs YoY | Rank worsening

Concerns (2)

Liquidity Overhang

risk
#38 of 113 • Bottom 11.5% in tier

Very high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.

Why This Signature
Net Worth Ratio: 14.93%
(Tier: 11.30%, National: 14.51%)
but better than tier avg
Loan-to-Share Ratio: 89.03%
(Tier: 86.35%, National: 67.96%)
but better than tier avg
113 of 380 Mid-Market CUs have this signature | 691 nationally
↑ Growing +9 CUs YoY | Rank worsening

Indirect Auto Dependency

risk
#113 of 202 • Bottom 18.2% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature
Asset Growth (YoY): 6.94%
(Tier: 5.36%, National: 3.04%)
but better than tier avg
Indirect Auto %: 23.47%
(Tier: 18.80%, National: 7.90%)
worse than tier avg
Member Growth (YoY): 4.09%
(Tier: 3.18%, National: 9.37%)
but better than tier avg
202 of 380 Mid-Market CUs have this signature | 768 nationally
↓ Shrinking -7 CUs YoY | Rank improving

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)

Comparing against 304 peers in tier

Top Strengths (10 metrics)

3
Total Assets
balance_sheet
Value: $2.97B
Peer Avg: $1.72B
#3 of 304 Top 0.7% in 1B-3B tier
6
Total Deposits
balance_sheet
Value: $2.50B
Peer Avg: $1.45B
#6 of 304 Top 1.6% in 1B-3B tier
7
Total Loans
balance_sheet
Value: $2.23B
Peer Avg: $1.23B
#7 of 304 Top 2.0% in 1B-3B tier
10
Return on Assets (ROA)
profitability
Value: 1.65%
Peer Avg: 0.70%
#10 of 304 Top 3.0% in 1B-3B tier
18
Total Members
engagement
Value: 174,210
Peer Avg: 98,678
#18 of 304 Top 5.6% in 1B-3B tier
28
Net Worth Ratio
risk
Value: 14.93%
Peer Avg: 11.44%
#28 of 304 Top 8.9% in 1B-3B tier
31
Loan Growth Rate
growth
Value: 13.29%
Peer Avg: 5.27%
#31 of 304 Top 9.9% in 1B-3B tier
32
Net Interest Margin (NIM)
profitability
Value: 3.99%
Peer Avg: 3.26%
#32 of 304 Top 10.2% in 1B-3B tier
37
Efficiency Ratio
profitability
Value: 62.46%
Peer Avg: 73.97%
#37 of 304 Top 11.8% in 1B-3B tier
77
Share Certificate Concentration (%)
balance_sheet
Value: 23.18%
Peer Avg: 28.53%
#77 of 304 Top 25.0% in 1B-3B tier

Top Weaknesses (1 metrics)

232
Members Per Employee (MPE)
engagement
Value: 301.924
Peer Avg: 364.953
#232 of 304 Bottom 24.0% in 1B-3B tier