BlastPoint's Credit Union Scorecard

KNOXVILLE TEACHERS

Charter #24464 · TN

100M-500M

1070 CUs in 100M-500M nationally 25 in TN

KNOXVILLE TEACHERS has 4 strengths but faces 8 concerns

National Analysis

How does the industry compare?

TN Analysis

How does TN stack up?

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 0.7% in tier
+ Loan-to-Member Ratio (LMR): Top 0.7% in tier

Key Concerns

Areas that may need attention

- Membership Headwinds: Bottom 50.0% in tier
- Stagnation Risk: Bottom 50.0% in tier
- ROA 0.17% below tier average
- Delinquency rate 0.22% above tier average
- First Mortgage Concentration (%): Bottom 0.9% in tier
- Fee Income Per Member: Bottom 1.6% in tier
- Members Per Employee (MPE): Bottom 2.1% in tier
- Net Interest Margin (NIM): Bottom 4.6% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (TN)	National Avg	Tier Percentile
Members	6,618 -1.0% YoY-0.1% QoQ	-8.5K	15,145 -2.5% YoY	21,412 +3.7% YoY	33,913 +5.7% YoY	Bottom 9.1% in tier
Assets	$256.1M +3.2% YoY+1.3% QoQ	+$24.4M	$231.7M +0.8% YoY	$379.6M +8.7% YoY	$578.3M +9.0% YoY	65%
Loans	$198.7M +11.1% YoY+1.3% QoQ	+$54.6M	$144.1M +0.2% YoY	$279.0M +7.7% YoY	$402.4M +8.7% YoY	76%
Deposits	$228.6M +2.3% YoY+2.3% QoQ	+$27.5M	$201.1M +0.4% YoY	$319.1M +8.0% YoY	$494.3M +9.1% YoY	66%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.6% +66.9% YoY+14.5% QoQ	-0.2%	0.7% +5.1% YoY	0.6% -5.0% YoY	0.4% -39.2% YoY	40%
NIM	2.5% +18.2% YoY+8.0% QoQ	-1.1%	3.6% +4.6% YoY	3.9% +5.1% YoY	3.8% +4.1% YoY	Bottom 4.5% in tier
Efficiency Ratio	73.9% -11.4% YoY-4.1% QoQ	-4.1%	78.0% -1.7% YoY	79.6% +1.7% YoY	84.6% +2.8% YoY	34%
Delinquency Rate	1.0% -22.4% YoY+36.9% QoQ	+0.2	0.8% +7.1% YoY	0.9% -14.5% YoY	1.2% +3.4% YoY	76%
Loan To Share	86.9% +8.6% YoY-1.0% QoQ	+16.5%	70.4% -0.4% YoY	68.3% -1.5% YoY	65.6% -1.4% YoY	83%
AMR	$64,580 +7.3% YoY+2.0% QoQ	+$40K	$24,918 +2.7% YoY	$18,957 +3.0% YoY	$19,920 +1.6% YoY	Top 0.8% in tier
CD Concentration	13.3% +3.2% YoY-5.8% QoQ	-11.0%	24.3%	22.3%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	6.8%	7.7%	50%

Signature Analysis

Strengths (2)

Relationship Depth Leader

growth

#67 of 257 • Top 50.0% in tier

Top-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.

Why This Signature

AMR Growth (YoY): 7.29%

(Tier: 3.74%, National: 6.36%)

better than tier avg

Share Draft per Member: $3.9K

(Tier: $3.0K, National: $2.1K)

better than tier avg

257 of 1070 Mid-Small & Community CUs have this signature | 342 nationally

↑ Growing +27 CUs YoY | Rank improving

Wallet Share Momentum

growth

#252 of 491 • Top 50.0% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 7.29%

(Tier: 3.74%, National: 6.36%)

better than tier avg

491 of 1070 Mid-Small & Community CUs have this signature | 637 nationally

↑ Growing +107 CUs YoY | New qualifier

Concerns (2)

Membership Headwinds

decline

#504 of 570 • Bottom 50.0% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -0.97%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

Stagnation Risk

risk

#505 of 570 • Bottom 50.0% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -0.97%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): 11.14%

(Tier: 4.14%, National: 1.74%)

but better than tier avg

Delinquency Rate: 0.99%

(Tier: 0.76%, National: 1.19%)

worse than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

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)

Compare against:

Comparing against 1070 peers in tier

Top Strengths (9 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 6.61%

#1 of 1070 Top 0.1% in 100M-500M tier

Average Member Relationship (AMR)

engagement

Value: $64,580

Peer Median: $22,931

#9 of 1070 Top 0.7% in 100M-500M tier

Loan-to-Member Ratio (LMR)

engagement

Value: $30,032

Peer Median: $9,356

#9 of 1070 Top 0.7% in 100M-500M tier

110

Net Charge-Off Rate

risk

Value: 0.04%

Peer Median: 0.35%

#110 of 1070 Top 10.2% in 100M-500M tier

142

Loan Growth Rate

growth

Value: 11.14%

Peer Median: 2.93%

#142 of 1070 Top 13.2% in 100M-500M tier

180

Loan-to-Share Ratio

balance_sheet

Value: 86.93%

Peer Median: 71.88%

#180 of 1070 Top 16.7% in 100M-500M tier

189

Share Certificate Concentration (%)

balance_sheet

Value: 13.26%

Peer Median: 23.10%

#189 of 1070 Top 17.6% in 100M-500M tier

197

AMR Growth Rate

growth

Value: 7.29%

Peer Median: 3.46%

#197 of 1070 Top 18.3% in 100M-500M tier

260

Total Loans

balance_sheet

Value: $198.75M

Peer Median: $121.41M

#260 of 1070 Top 24.2% in 100M-500M tier

Top Weaknesses (6 metrics)

1061

First Mortgage Concentration (%)

balance_sheet

Value: 77.50%

Peer Median: 29.47%

#1061 of 1070 Bottom 0.9% in 100M-500M tier

1054

Fee Income Per Member

profitability

Value: $23.54

Peer Median: $154.95

#1054 of 1070 Bottom 1.6% in 100M-500M tier

1048

Members Per Employee (MPE)

engagement

Value: 183.833

Peer Median: 309.176

#1048 of 1070 Bottom 2.1% in 100M-500M tier

1022

Net Interest Margin (NIM)

profitability

Value: 2.50%

Peer Median: 3.62%

#1022 of 1070 Bottom 4.6% in 100M-500M tier

973

Total Members

engagement

Value: 6,618

Peer Median: 13,200

#973 of 1070 Bottom 9.2% in 100M-500M tier

812

Total Delinquency Rate (60+ days)

risk

Value: 0.99%

Peer Median: 0.61%

#812 of 1070 Bottom 24.2% in 100M-500M tier