BlastPoint's Credit Union Scorecard
KNOXVILLE TEACHERS
Charter #24464 · TN
KNOXVILLE TEACHERS has 5 strengths but faces 12 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Relationship Depth Leader: Top 59.8% in tier
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Average Member Relationship (AMR): Top 1.0% 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
- - Credit Quality Pressure: Bottom 11.2% in tier
- - Credit Risk Growth: Bottom 13.6% in tier
- - Stagnation Risk: Bottom 18.3% in tier
- - Membership Headwinds: Bottom 25.0% in tier
- - Flatlined Growth: Bottom 44.7% in tier
- - ROA 0.34% below tier average
- - Efficiency ratio 1.94% above tier (higher cost structure)
- - First Mortgage Concentration (%): Bottom 1.0% in tier
- - Fee Income Per Member: Bottom 1.9% in tier
- - Members Per Employee (MPE): Bottom 2.0% in tier
- - Net Interest Margin (NIM): Bottom 3.5% in tier
- - Total Members: Bottom 8.2% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
6,645
-1.4% YoY-0.1% QoQ
|
-9.0K |
15,628
-3.4% YoY
|
21,139
+4.9% YoY
|
33,089
+6.1% YoY
|
Bottom 8.1% in tier |
| Assets |
$248.6M
+0.6% YoY+0.1% QoQ
|
+$17.3M |
$231.3M
-0.0% YoY
|
$362.5M
+9.5% YoY
|
$547.7M
+7.8% YoY
|
63% |
| Loans |
$188.0M
+5.1% YoY+3.8% QoQ
|
+$40.2M |
$147.8M
-1.4% YoY
|
$271.1M
+9.1% YoY
|
$388.7M
+8.6% YoY
|
72% |
| Deposits |
$222.5M
+0.1% YoY-0.2% QoQ
|
+$22.2M |
$200.3M
-0.0% YoY
|
$303.0M
+8.7% YoY
|
$464.6M
+9.3% YoY
|
64% |
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| ROA |
0.4%
+680.1% YoY+17.7% QoQ
|
-0.3% |
0.8%
+15.5% YoY
|
0.8%
+4.1% YoY
|
0.7%
+273.4% YoY
|
28% |
| NIM |
2.2%
+20.8% YoY+4.1% QoQ
|
-1.3% |
3.6%
+6.9% YoY
|
3.8%
+5.1% YoY
|
3.7%
+5.0% YoY
|
Bottom 3.4% in tier |
| Efficiency Ratio |
79.2%
-18.3% YoY-3.6% QoQ
|
+1.9% |
77.3%
-3.0% YoY
|
75.4%
-1.8% YoY
|
79.1%
-3.3% YoY
|
57% |
| Delinquency Rate |
0.8%
+54.9% YoY-38.2% QoQ
|
-0.1 |
0.9%
+7.6% YoY
|
1.1%
+8.5% YoY
|
1.2%
-0.9% YoY
|
60% |
| Loan To Share |
84.5%
+5.0% YoY+4.0% QoQ
|
+11.8% |
72.7%
-1.5% YoY
|
70.4%
-2.4% YoY
|
68.0%
-1.7% YoY
|
73% |
| AMR |
$61,775
+3.8% YoY+1.7% QoQ
|
+$37K |
$24,363
+2.9% YoY
|
$18,470
+2.4% YoY
|
$19,418
+1.3% YoY
|
Top 1.1% in tier |
| CD Concentration |
13.3%
-2.6% YoY+3.2% QoQ
|
-11.1% |
24.4%
+4.2% YoY
|
22.3%
+6.6% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
6.9%
+1.1% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (1)
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Concerns (5)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Stagnation Risk
riskMembership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Flatlined Growth
riskAsset growth stalled (-2% to +2%) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
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)