BlastPoint's Credit Union Scorecard
TVA MID-SOUTH
Charter #16520 · TN
TVA MID-SOUTH has 3 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Strong member growth: 6.9% YoY
- + Total Delinquency Rate (60+ days): Top 0.1% in tier
- + Member Growth Rate: Top 5.3% in tier
Key Concerns
Areas that may need attention
- - ROA 1.40% below tier average
- - Efficiency ratio 10.16% above tier (higher cost structure)
- - AMR Growth Rate: Bottom 3.4% in tier
- - Total Members: Bottom 4.3% in tier
- - Members Per Employee (MPE): Bottom 5.6% in tier
- - Asset Growth Rate: Bottom 7.6% in tier
- - Deposit Growth Rate: Bottom 7.6% in tier
- - Total Loans: Bottom 9.9% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 84 that size in Tennessee.
- Shares and deposits -9.8% year over year ($2.7M in shares and deposits).
- Membership: 187 members, +6.9% vs a year ago.
- Delinquency rate 0.00%.
- Return on assets 0.09%.
- Efficiency ratio 98.92% vs a 88.77% peer average.
- Loan-to-share ratio 30.35% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
187
+6.9% YoY+12.0% QoQ
|
-2.4K |
2,585
-1.7% YoY
|
22,058
+4.8% YoY
|
34,678
+6.6% YoY
|
Bottom 4.2% in tier |
| Assets |
$3.2M
-8.3% YoY-1.5% QoQ
|
$-27.0M |
$30.3M
+1.5% YoY
|
$390.3M
+9.5% YoY
|
$593.1M
+10.2% YoY
|
Bottom 13.5% in tier |
| Loans |
$807,857
-11.3% YoY-7.5% QoQ
|
$-14.7M |
$15.5M
-1.7% YoY
|
$289.3M
+8.5% YoY
|
$418.6M
+10.1% YoY
|
Bottom 9.8% in tier |
| Deposits |
$2.7M
-9.8% YoY-1.8% QoQ
|
$-23.1M |
$25.8M
+1.1% YoY
|
$326.4M
+8.9% YoY
|
$504.8M
+10.3% YoY
|
Bottom 14.2% in tier |
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| ROA |
0.1%
-80.3% YoY-55.4% QoQ
|
-1.4% |
1.5%
+241.5% YoY
|
1.1%
+46.9% YoY
|
1.2%
+121.4% YoY
|
Bottom 5.7% in tier |
| NIM |
2.8%
-7.4% YoY-5.6% QoQ
|
-1.1% |
3.9%
+0.9% YoY
|
3.9%
+2.1% YoY
|
3.8%
+2.3% YoY
|
Bottom 12.6% in tier |
| Efficiency Ratio |
98.9%
+17.5% YoY+5.8% QoQ
|
+10.2% |
88.8%
-6.9% YoY
|
78.9%
+2.6% YoY
|
83.0%
-5.3% YoY
|
Bottom 14.5% in tier |
| Delinquency Rate | 0.0% | -1.5 |
1.5%
+2.1% YoY
|
1.1%
-1.7% YoY
|
1.3%
+2.6% YoY
|
Top 0.1% in tier |
| Loan To Share |
30.3%
-1.7% YoY-5.8% QoQ
|
-28.5% |
58.9%
-3.1% YoY
|
68.7%
-1.7% YoY
|
66.4%
-1.4% YoY
|
Bottom 11.4% in tier |
| AMR |
$18,556
-15.9% YoY-13.5% QoQ
|
+$4K |
$14,963
-6.8% YoY
|
$19,228
+3.5% YoY
|
$20,028
-0.9% YoY
|
71% |
| CD Concentration | 0.0% | -24.6% | 24.6% | 22.4% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 6.8% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)