BlastPoint's Credit Union Scorecard

TENNESSEE VALLEY

Charter #1520 · TN

Mid-Market 1B-3B

304 CUs in 1B-3B nationally 4 in TN

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TENNESSEE VALLEY has 11 strengths but faces 1 concern

National Analysis

How does the industry compare?

Mid-Market Tier

What's your peer group doing?

TN Analysis

How does TN stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Organic Growth Engine: Top 5.2% in tier
+ Profitability Leader: Top 10.6% in tier
+ Wallet Share Momentum: Top 97.4% 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

- 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

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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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	62%
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	52%
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	47%
CD Concentration	23.2% -4.0% YoY+1.9% QoQ	-5.8%	29.0% +0.7% YoY	22.3% +6.6% YoY	19.6% +6.2% YoY	24%
Indirect Auto %	23.5% -0.1% YoY-1.1% QoQ	+4.7%	18.8% -3.0% YoY	6.9% +1.1% YoY	7.9% -2.9% YoY	65%

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: 18.77%, 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

Profitability Leader

growth

#11 of 95 • Top 10.6% in tier

Top-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.

Why This Signature

Return on Assets: 1.65%

(Tier: 0.71%, National: 0.71%)

better than tier avg

ROA Change (YoY): -0.07% points

(Tier: 0.07% points, National: 0.05% points)

but worse than tier avg

95 of 380 Mid-Market CUs have this signature | 457 nationally

→ Stable (93→95 CUs) +2 CUs YoY

Wallet Share Momentum

growth

#113 of 116 • Top 97.4% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 5.09%

(Tier: 3.04%, National: 4.19%)

better than tier avg

116 of 380 Mid-Market CUs have this signature | 620 nationally

↑ Growing +38 CUs YoY | Rank worsening

Concerns (1)

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: 18.77%, 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)

Compare against:

Comparing against 304 peers in tier

Top Strengths (10 metrics)

Total Assets

balance_sheet

Value: $2.97B

Peer Avg: -

#3 of 304 Top 0.7% in 1B-3B tier

Total Deposits

balance_sheet

Value: $2.50B

Peer Avg: -

#6 of 304 Top 1.6% in 1B-3B tier

Total Loans

balance_sheet

Value: $2.23B

Peer Avg: -

#7 of 304 Top 2.0% in 1B-3B tier

Return on Assets (ROA)

profitability

Value: 1.65%

Peer Avg: -

#10 of 304 Top 3.0% in 1B-3B tier

Total Members

engagement

Value: 174,210

Peer Avg: -

#18 of 304 Top 5.6% in 1B-3B tier

Net Worth Ratio

risk

Value: 14.93%

Peer Avg: -

#28 of 304 Top 8.9% in 1B-3B tier

Loan Growth Rate

growth

Value: 13.29%

Peer Avg: -

#31 of 304 Top 9.9% in 1B-3B tier

Net Interest Margin (NIM)

profitability

Value: 3.99%

Peer Avg: -

#32 of 304 Top 10.2% in 1B-3B tier

Efficiency Ratio

profitability

Value: 62.46%

Peer Avg: -

#37 of 304 Top 11.8% in 1B-3B tier

Share Certificate Concentration (%)

balance_sheet

Value: 23.18%

Peer Avg: -

#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: -

#232 of 304 Bottom 24.0% in 1B-3B tier