BlastPoint's Credit Union Scorecard
KNOXVILLE TEACHERS
Charter #24464 · TN
KNOXVILLE TEACHERS has 5 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Relationship Depth Leader: Top 50.0% in tier
- + Wallet Share Momentum: Top 50.0% in tier
- + Average Member Relationship (AMR): Top 0.8% in tier
- + Loan-to-Member Ratio (LMR): Top 0.9% in tier
- + Net Charge-Off Rate: Top 6.4% in tier
Key Concerns
Areas that may need attention
- - Membership Headwinds: Bottom 50.0% in tier
- - Stagnation Risk: Bottom 50.0% in tier
- - ROA 0.26% below tier average
- - First Mortgage Concentration (%): Bottom 1.0% in tier
- - Fee Income Per Member: Bottom 1.5% in tier
- - Members Per Employee (MPE): Bottom 2.8% in tier
- - Net Interest Margin (NIM): Bottom 3.9% in tier
- - Total Members: Bottom 9.8% 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 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 25 that size in Tennessee.
- Shares and deposits +3.4% year over year ($231M in shares and deposits).
- Membership: 6,573 members, -1.2% vs a year ago.
- Delinquency rate 0.56%.
- Return on assets 0.60%.
- Efficiency ratio 73.33% vs a 76.73% peer average.
- Loan-to-share ratio 87.60% vs a 71.54% 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 |
6,573
-1.2% YoY-0.7% QoQ
|
-8.6K |
15,168
-2.6% YoY
|
22,058
+4.8% YoY
|
34,678
+6.6% YoY
|
Bottom 9.7% in tier |
| Assets |
$259.3M
+4.4% YoY+1.2% QoQ
|
+$27.3M |
$232.0M
+0.7% YoY
|
$390.3M
+9.5% YoY
|
$593.1M
+10.2% YoY
|
66% |
| Loans |
$202.0M
+11.5% YoY+1.6% QoQ
|
+$55.7M |
$146.3M
+0.2% YoY
|
$289.3M
+8.5% YoY
|
$418.6M
+10.1% YoY
|
76% |
| Deposits |
$230.6M
+3.4% YoY+0.9% QoQ
|
+$29.9M |
$200.7M
+0.2% YoY
|
$326.4M
+8.9% YoY
|
$504.8M
+10.3% YoY
|
66% |
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| ROA |
0.6%
+57.2% YoY+7.7% QoQ
|
-0.3% |
0.9%
+12.5% YoY
|
1.1%
+46.9% YoY
|
1.2%
+121.4% YoY
|
37% |
| NIM |
2.5%
+15.5% YoY-0.3% QoQ
|
-1.2% |
3.7%
+4.5% YoY
|
3.9%
+2.1% YoY
|
3.8%
+2.3% YoY
|
Bottom 3.8% in tier |
| Efficiency Ratio |
73.3%
-10.8% YoY-0.8% QoQ
|
-3.4% |
76.7%
-0.8% YoY
|
78.9%
+2.6% YoY
|
83.0%
-5.3% YoY
|
36% |
| Delinquency Rate |
0.6%
-56.9% YoY-43.7% QoQ
|
-0.3 |
0.9%
+6.6% YoY
|
1.1%
-1.7% YoY
|
1.3%
+2.6% YoY
|
40% |
| Loan To Share |
87.6%
+7.9% YoY+0.8% QoQ
|
+16.1% |
71.5%
-0.3% YoY
|
68.7%
-1.7% YoY
|
66.4%
-1.4% YoY
|
81% |
| AMR |
$65,814
+8.3% YoY+1.9% QoQ
|
+$41K |
$25,107
+3.2% YoY
|
$19,228
+3.5% YoY
|
$20,028
-0.9% YoY
|
Top 0.9% in tier |
| CD Concentration |
11.8%
-8.5% YoY-11.3% QoQ
|
-12.8% | 24.6% | 22.4% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 6.8% | 7.7% | 50% |
Signature Analysis
Strengths (2)
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (2)
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
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)