SEVIER COUNTY SCHOOLS
Charter #23060 | TN
<100M
(2596 CUs)
Micro
($0-$500M)
88 <100M in TN
SEVIER COUNTY SCHOOLS demonstrates 6 strengths
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.73% above tier average
- + Net Interest Margin 0.27% above tier average
- + 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
- + Efficiency Ratio: Top 2.4% in tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,379
-0.6% YoY+1.2% QoQ
|
-1.2K |
2,625
-2.2% YoY
|
21,139
+4.9% YoY
|
33,089
+6.1% YoY
|
38th in tier |
| Assets |
$11.3M
+1.3% YoY-16.5% QoQ
|
$-18.5M |
$29.9M
+1.1% YoY
|
$362.5M
+9.5% YoY
|
$547.7M
+7.8% YoY
|
35th in tier |
| Loans |
$5.1M
-10.5% YoY-4.2% QoQ
|
$-10.7M |
$15.8M
-2.4% YoY
|
$271.1M
+9.1% YoY
|
$388.7M
+8.6% YoY
|
34th in tier |
| Deposits |
$8.6M
-1.7% YoY-21.2% QoQ
|
$-16.9M |
$25.5M
+0.4% YoY
|
$303.0M
+8.7% YoY
|
$464.6M
+9.3% YoY
|
33rd in tier |
| ROA |
2.4%
-31.1% YoY+0.9% QoQ
|
+1.7% |
0.7%
-731.4% YoY
|
0.8%
+4.1% YoY
|
0.7%
+273.4% YoY
|
Top 4.3% in tier |
| NIM |
4.2%
-10.2% YoY+3.9% QoQ
|
+0.3% |
3.9%
+3.8% YoY
|
3.8%
+5.1% YoY
|
3.7%
+5.0% YoY
|
63rd in tier |
| Efficiency Ratio |
41.1%
+23.7% YoY+7.6% QoQ
|
-40.3% |
81.4%
-2.4% YoY
|
75.4%
-1.8% YoY
|
79.1%
-3.3% YoY
|
Bottom 2.4% 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 |
59.5%
-9.0% YoY+21.6% QoQ
|
-1.8% |
61.2%
-3.0% YoY
|
70.4%
-2.4% YoY
|
68.0%
-1.7% YoY
|
48th in tier |
| AMR |
$9,887
-4.5% YoY-16.6% QoQ
|
$-5K |
$14,627
-2.7% YoY
|
$18,470
+2.4% YoY
|
$19,418
+1.3% YoY
|
28th in tier |
| CD Concentration |
16.3%
+27.4% YoY+26.7% QoQ
|
-8.1% |
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 (7 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
63
Efficiency Ratio
profitability
Value:
41.09%
Peer Avg: 81.39%
#63 of 2596
Top 2.4% in <100M tier
112
Return on Assets (ROA)
profitability
Value:
2.42%
Peer Avg: 0.68%
#112 of 2596
Top 4.3% in <100M tier
304
Net Worth Ratio
risk
Value:
24.56%
Peer Avg: 16.43%
#304 of 2596
Top 11.7% in <100M tier
498
Members Per Employee (MPE)
engagement
Value:
459.667
Peer Avg: 365.701
#498 of 2596
Top 19.1% in <100M tier
Top Weaknesses (3 metrics)
2110
AMR Growth Rate
growth
Value:
-4.54%
Peer Avg: 4.67%
#2110 of 2596
Bottom 18.8% in <100M tier
2080
Loan Growth Rate
growth
Value:
-10.48%
Peer Avg: 59.01%
#2080 of 2596
Bottom 19.9% in <100M tier
1998
Fee Income Per Member
profitability
Value:
$15.05
Peer Avg: $182.96
#1998 of 2596
Bottom 23.1% in <100M tier