TVA MID-SOUTH
Charter #16520 | TN
<100M
(2596 CUs)
Micro
($0-$500M)
88 <100M in TN
TVA MID-SOUTH has 5 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Total Delinquency Rate (60+ days): Top 0.0% in tier
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Net Charge-Off Rate: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - ROA 0.25% below tier average
- - Efficiency ratio 3.46% above tier (higher cost structure)
- - Total Members: Bottom 3.7% in tier
- - Members Per Employee (MPE): Bottom 5.4% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
173
-1.1% YoY-1.1% QoQ
|
-2.5K |
2,625
-2.2% YoY
|
21,139
+4.9% YoY
|
33,089
+6.1% YoY
|
Bottom 3.7% in tier |
| Assets |
$3.4M
-2.8% YoY-4.2% QoQ
|
$-26.5M |
$29.9M
+1.1% YoY
|
$362.5M
+9.5% YoY
|
$547.7M
+7.8% YoY
|
Bottom 14.2% in tier |
| Loans |
$944,506
+2.3% YoY+3.7% QoQ
|
$-14.8M |
$15.8M
-2.4% YoY
|
$271.1M
+9.1% YoY
|
$388.7M
+8.6% YoY
|
Bottom 11.1% in tier |
| Deposits |
$2.8M
-3.2% YoY-5.4% QoQ
|
$-22.7M |
$25.5M
+0.4% YoY
|
$303.0M
+8.7% YoY
|
$464.6M
+9.3% YoY
|
Bottom 15.0% in tier |
| ROA |
0.4%
-44.1% YoY-4.6% QoQ
|
-0.3% |
0.7%
-731.4% YoY
|
0.8%
+4.1% YoY
|
0.7%
+273.4% YoY
|
33rd in tier |
| NIM |
3.1%
-3.3% YoY+1.1% QoQ
|
-0.9% |
3.9%
+3.8% YoY
|
3.8%
+5.1% YoY
|
3.7%
+5.0% YoY
|
Bottom 20.3% in tier |
| Efficiency Ratio |
84.8%
+12.4% YoY+0.8% QoQ
|
+3.5% |
81.4%
-2.4% YoY
|
75.4%
-1.8% YoY
|
79.1%
-3.3% YoY
|
67th in tier |
| Delinquency Rate | 0.0% | -1.5 |
1.5%
-2.0% YoY
|
1.1%
+8.5% YoY
|
1.2%
-0.9% YoY
|
Bottom 0.0% in tier |
| Loan To Share |
33.8%
+5.6% YoY+9.5% QoQ
|
-27.4% |
61.2%
-3.0% YoY
|
70.4%
-2.4% YoY
|
68.0%
-1.7% YoY
|
Bottom 13.0% in tier |
| AMR |
$21,596
-0.7% YoY-2.1% QoQ
|
+$7K |
$14,627
-2.7% YoY
|
$18,470
+2.4% YoY
|
$19,418
+1.3% YoY
|
Top 15.5% in tier |
| CD Concentration | 0.0% | -24.4% |
24.4%
+4.2% YoY
|
22.3%
+6.6% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
6.9%
+1.1% YoY
|
7.9%
-2.9% YoY
|
50th in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
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)
Top Strengths (6 metrics)
1
Total Delinquency Rate (60+ days)
risk
Value:
0.00%
Peer Avg: 1.51%
#1 of 2596
Top 0.0% in <100M tier
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 14.49%
#1 of 2596
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 15.37%
#1 of 2596
Top 0.0% in <100M tier
246
Net Charge-Off Rate
risk
Value:
0.00%
Peer Avg: 0.57%
#246 of 2596
Top 9.4% in <100M tier
402
Average Member Relationship (AMR)
engagement
Value:
$21,596
Peer Avg: $14,627
#402 of 2596
Top 15.4% in <100M tier
Top Weaknesses (9 metrics)
2500
Total Members
engagement
Value:
173
Peer Avg: 2,626
#2500 of 2596
Bottom 3.7% in <100M tier
2456
Members Per Employee (MPE)
engagement
Value:
86.500
Peer Avg: 365.701
#2456 of 2596
Bottom 5.4% in <100M tier
2307
Total Loans
balance_sheet
Value:
$944,506
Peer Avg: $15.77M
#2307 of 2596
Bottom 11.2% in <100M tier
2255
Loan-to-Share Ratio
balance_sheet
Value:
33.83%
Peer Avg: 61.23%
#2255 of 2596
Bottom 13.2% in <100M tier
2228
Total Assets
balance_sheet
Value:
$3.38M
Peer Avg: $29.86M
#2228 of 2596
Bottom 14.2% in <100M tier
2207
Total Deposits
balance_sheet
Value:
$2.79M
Peer Avg: $25.45M
#2207 of 2596
Bottom 15.0% in <100M tier
2068
Net Interest Margin (NIM)
profitability
Value:
3.08%
Peer Avg: 3.93%
#2068 of 2596
Bottom 20.4% in <100M tier
2015
Fee Income Per Member
profitability
Value:
$14.30
Peer Avg: $182.96
#2015 of 2596
Bottom 22.4% in <100M tier
2012
Asset Growth Rate
growth
Value:
-2.76%
Peer Avg: 1.82%
#2012 of 2596
Bottom 22.5% in <100M tier