BlastPoint's Credit Union Scorecard
KNOXVILLE TEACHERS
Charter #24464 · TN
KNOXVILLE TEACHERS has 6 strengths but faces 9 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Relationship Depth Leader: Top 42.7% in tier
- + Wallet Share Momentum: Top 83.4% in tier
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Average Member Relationship (AMR): Top 0.9% in tier
- + Loan-to-Member Ratio (LMR): Top 1.0% in tier
- + Net Charge-Off Rate: Top 6.7% in tier
Key Concerns
Areas that may need attention
- - Membership Headwinds: Bottom 73.8% in tier
- - Stagnation Risk: Bottom 87.3% in tier
- - ROA 0.28% below tier average
- - Efficiency ratio 0.06% above tier (higher cost structure)
- - First Mortgage Concentration (%): Bottom 0.9% 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 3.6% in tier
- - Total Members: Bottom 8.5% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
6,627
-1.5% YoY-0.3% QoQ
|
-8.8K |
15,437
-2.9% YoY
|
21,265
+4.5% YoY
|
33,374
+5.7% YoY
|
Bottom 8.4% in tier |
| Assets |
$252.7M
+2.9% YoY+1.7% QoQ
|
+$20.9M |
$231.9M
+1.3% YoY
|
$372.5M
+10.3% YoY
|
$561.6M
+9.7% YoY
|
64% |
| Loans |
$196.2M
+8.4% YoY+4.4% QoQ
|
+$48.8M |
$147.3M
-0.1% YoY
|
$275.7M
+8.6% YoY
|
$397.0M
+8.8% YoY
|
74% |
| Deposits |
$223.5M
+1.0% YoY+0.4% QoQ
|
+$22.7M |
$200.8M
+0.8% YoY
|
$312.1M
+9.5% YoY
|
$477.3M
+9.7% YoY
|
64% |
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| ROA |
0.5%
+334.1% YoY+8.3% QoQ
|
-0.3% |
0.8%
+18.2% YoY
|
0.7%
-5.8% YoY
|
0.7%
+15.9% YoY
|
30% |
| NIM |
2.3%
+21.4% YoY+3.0% QoQ
|
-1.3% |
3.6%
+6.7% YoY
|
3.8%
+3.7% YoY
|
3.8%
+5.1% YoY
|
Bottom 3.5% in tier |
| Efficiency Ratio |
77.1%
-18.0% YoY-2.7% QoQ
|
+0.1% |
77.0%
-3.1% YoY
|
79.4%
+2.9% YoY
|
79.7%
-3.3% YoY
|
50% |
| Delinquency Rate |
0.7%
-45.2% YoY-9.4% QoQ
|
-0.2 |
0.9%
+4.2% YoY
|
1.1%
-12.6% YoY
|
1.3%
-2.1% YoY
|
51% |
| Loan To Share |
87.8%
+7.3% YoY+3.9% QoQ
|
+15.6% |
72.2%
-1.1% YoY
|
70.0%
-2.2% YoY
|
67.4%
-1.7% YoY
|
81% |
| AMR |
$63,326
+6.0% YoY+2.5% QoQ
|
+$39K |
$24,676
+3.4% YoY
|
$18,770
+3.9% YoY
|
$19,687
+2.0% YoY
|
Top 1.0% in tier |
| CD Concentration |
14.1%
-0.2% YoY+6.2% QoQ
|
-10.3% | 24.4% | 22.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 6.7% | 7.8% | 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)