BlastPoint's Credit Union Scorecard
TENNESSEE VALLEY
Charter #1520 · TN
TENNESSEE VALLEY has 5 strengths but faces 3 concerns
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
- + Organic Growth Engine: Top 15.8% in tier
- + Wallet Share Momentum: Top 95.1% in tier
- + ROA 0.89% above tier average
- + Net Interest Margin 0.81% above tier average
- + Net Worth Ratio: Top 1.3% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 47.7% in tier
- - Total Assets: Bottom 9.2% in tier
- - Total Deposits: Bottom 9.2% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
174,941
+3.9% YoY+0.4% QoQ
|
-55.4K |
230,353
-2.9% YoY
|
21,265
+4.5% YoY
|
33,374
+5.7% YoY
|
24% |
| Assets |
$3.1B
+8.6% YoY+4.5% QoQ
|
$-834.4M |
$3.9B
+0.3% YoY
|
$372.5M
+10.3% YoY
|
$561.6M
+9.7% YoY
|
Bottom 7.9% in tier |
| Loans |
$2.2B
+10.8% YoY+0.6% QoQ
|
$-696.5M |
$2.9B
-0.2% YoY
|
$275.7M
+8.6% YoY
|
$397.0M
+8.8% YoY
|
Bottom 11.8% in tier |
| Deposits |
$2.6B
+8.2% YoY+5.0% QoQ
|
$-686.0M |
$3.3B
-0.3% YoY
|
$312.1M
+9.5% YoY
|
$477.3M
+9.7% YoY
|
Bottom 7.9% in tier |
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| ROA |
1.6%
-5.3% YoY-2.6% QoQ
|
+0.9% |
0.7%
+16.8% YoY
|
0.7%
-5.8% YoY
|
0.7%
+15.9% YoY
|
Top 3.9% in tier |
| NIM |
3.9%
+5.5% YoY-1.3% QoQ
|
+0.8% |
3.1%
+9.8% YoY
|
3.8%
+3.7% YoY
|
3.8%
+5.1% YoY
|
Top 10.5% in tier |
| Efficiency Ratio |
62.4%
+3.5% YoY-0.2% QoQ
|
-9.0% |
71.4%
-1.4% YoY
|
79.4%
+2.9% YoY
|
79.7%
-3.3% YoY
|
18% |
| Delinquency Rate |
0.8%
-13.0% YoY-2.7% QoQ
|
-0.1 |
0.9%
+5.8% YoY
|
1.1%
-12.6% YoY
|
1.3%
-2.1% YoY
|
59% |
| Loan To Share |
85.3%
+2.4% YoY-4.2% QoQ
|
-3.6% |
88.9%
-0.2% YoY
|
70.0%
-2.2% YoY
|
67.4%
-1.7% YoY
|
29% |
| AMR |
$27,801
+5.3% YoY+2.5% QoQ
|
$-2K |
$29,682
+1.5% YoY
|
$18,770
+3.9% YoY
|
$19,687
+2.0% YoY
|
43% |
| CD Concentration |
23.5%
-1.9% YoY+1.4% QoQ
|
-5.5% | 29.0% | 22.4% | 19.8% | 26% |
| Indirect Auto % |
23.1%
+0.5% YoY-1.4% QoQ
|
+4.8% | 18.3% | 6.7% | 7.8% | 66% |
Signature Analysis
Strengths (2)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
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)