BlastPoint's Credit Union Scorecard
TENNESSEE VALLEY
Charter #1520 · TN
TENNESSEE VALLEY has 4 strengths but faces 1 concern
How does the industry compare?
What's your peer group doing?
How does TN stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 26.8% in tier
- + ROA 0.72% above tier average
- + Net Interest Margin 0.67% above tier average
- + Net Worth Ratio: Top 1.3% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 19.2% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
178,561
+4.8% YoY+2.1% QoQ
|
-41.9K |
220,435
-7.6% YoY
|
21,412
+3.7% YoY
|
33,913
+5.7% YoY
|
30% |
| Assets |
$3.2B
+9.5% YoY+2.7% QoQ
|
$-725.3M |
$3.9B
-1.5% YoY
|
$379.6M
+8.7% YoY
|
$578.3M
+9.0% YoY
|
15% |
| Loans |
$2.4B
+12.5% YoY+5.7% QoQ
|
$-526.2M |
$2.9B
-1.1% YoY
|
$279.0M
+7.7% YoY
|
$402.4M
+8.7% YoY
|
15% |
| Deposits |
$2.7B
+9.2% YoY+2.7% QoQ
|
$-602.0M |
$3.3B
-2.5% YoY
|
$319.1M
+8.0% YoY
|
$494.3M
+9.1% YoY
|
15% |
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| ROA |
1.5%
-5.3% YoY-9.6% QoQ
|
+0.7% |
0.7%
+10.6% YoY
|
0.6%
-5.0% YoY
|
0.4%
-39.2% YoY
|
Top 9.0% in tier |
| NIM |
3.9%
-0.1% YoY-1.8% QoQ
|
+0.7% |
3.2%
+4.6% YoY
|
3.9%
+5.1% YoY
|
3.8%
+4.1% YoY
|
Top 11.5% in tier |
| Efficiency Ratio |
63.9%
-1.5% YoY+2.4% QoQ
|
-7.4% |
71.3%
-2.6% YoY
|
79.6%
+1.7% YoY
|
84.6%
+2.8% YoY
|
27% |
| Delinquency Rate |
0.5%
-3.1% YoY-37.0% QoQ
|
-0.2 |
0.7%
+9.2% YoY
|
0.9%
-14.5% YoY
|
1.2%
+3.4% YoY
|
46% |
| Loan To Share |
87.8%
+3.0% YoY+2.9% QoQ
|
-0.2% |
88.0%
+0.9% YoY
|
68.3%
-1.5% YoY
|
65.6%
-1.4% YoY
|
40% |
| AMR |
$28,354
+5.6% YoY+2.0% QoQ
|
$-2K |
$30,672
+5.5% YoY
|
$18,957
+3.0% YoY
|
$19,920
+1.6% YoY
|
42% |
| CD Concentration |
25.0%
+7.2% YoY+6.2% QoQ
|
-3.9% | 28.8% | 22.3% | 19.8% | 33% |
| Indirect Auto % |
24.1%
+2.2% YoY+4.1% QoQ
|
+6.0% | 18.1% | 6.8% | 7.7% | 68% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (1)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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)