KNOXVILLE TEACHERS
Charter #24464 | TN
100M-500M
(1077 CUs)
Micro
($0-$500M)
25 100M-500M in TN
KNOXVILLE TEACHERS has 6 strengths but faces 12 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Relationship Depth Leader: Top 10.8% in tier
- + Wallet Share Momentum: Top 21.6% 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
- - Growth-at-Risk: 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
|
63rd in tier |
| 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
|
72nd in tier |
| 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
|
64th in tier |
| 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
|
28th in tier |
| 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
|
57th in tier |
| 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
|
60th in tier |
| 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
|
73rd in tier |
| 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
|
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 (2)
Relationship Depth Leader
growth
#299 of 1006 • Top 10.8% in tier
Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.
Why This Signature
AMR Growth (YoY):
3.81%
(Tier:
3.68%, National:
4.19%)
Share Draft per Member:
$3.7K
(Tier: $2.8K, National: $2.0K)
1006 of 1077 Community CUs have this signature
| 1330 nationally
↑ Growing
+249 CUs YoY
|
Rank improving
Wallet Share Momentum
growth
#597 of 1006 • Top 21.6% in tier
Average member relationship growing year-over-year. Members are deepening their engagement.
Why This Signature
AMR Growth (YoY):
3.81%
(Tier:
3.68%, National:
4.19%)
1006 of 1077 Community CUs have this signature
| 1330 nationally
↑ Growing
+249 CUs YoY
|
Rank worsening
Concerns (5)
Credit Quality Pressure
risk
#278 of 736 • Bottom 11.2% in tier
Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Why This Signature
Delinquency Change (YoY):
0.28% points
(Tier:
0.04% points, National:
0.07% points)
736 of 1077 Community CUs have this signature
| 1002 nationally
↓ Shrinking
-199 CUs YoY
|
Rank improving
Growth-at-Risk
risk
#205 of 446 • Bottom 13.6% in tier
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Why This Signature
Loan Growth (YoY):
5.10%
(Tier:
3.64%, National:
36.38%)
Delinquency Change (YoY):
0.28% points
(Tier:
0.04% points, National:
0.07% points)
446 of 1077 Community CUs have this signature
| 646 nationally
↓ Shrinking
-77 CUs YoY
|
Rank improving
Stagnation Risk
risk
#302 of 550 • Bottom 18.3% in tier
Membership is declining. If profitability remains stable, current success may mask future risk from a shrinking member base.
Why This Signature
Return on Assets:
0.45%
(Tier:
0.77%, National:
0.71%)
Member Growth (YoY):
-1.41%
(Tier:
0.88%, National:
9.37%)
Avg Member Relationship:
$61.8K
(Tier: $25.0K, National: $19.4K)
CD Concentration:
13.26%
(Tier:
24.41%, National:
19.60%)
550 of 1077 Community CUs have this signature
| 648 nationally
→ Stable (555→550 CUs)
-5 CUs YoY
|
New qualifier
Membership Headwinds
decline
#412 of 550 • Bottom 25.0% in tier
Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Why This Signature
Member Growth (YoY):
-1.41%
(Tier:
0.88%, National:
9.37%)
550 of 1077 Community CUs have this signature
| 648 nationally
→ Stable (555→550 CUs)
-5 CUs YoY
|
New qualifier
Flatlined Growth
risk
#47 of 58 • Bottom 44.7% in tier
Asset growth has flattened despite healthy profitability. May indicate a need to reassess growth strategy.
Why This Signature
Total Assets:
$248.65M
(Tier: $231.30M, National: $547.69M)
Asset Growth (YoY):
0.64%
(Tier:
4.61%, National:
3.04%)
Return on Assets:
0.45%
(Tier:
0.77%, National:
0.71%)
58 of 1077 Community CUs have this signature
| 82 nationally
↑ Growing
+10 CUs YoY
|
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)
Top Strengths (5 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 13.34%
#1 of 1077
Top 0.0% in 100M-500M tier
12
Average Member Relationship (AMR)
engagement
Value:
$61,775
Peer Avg: $24,363
#12 of 1077
Top 1.0% in 100M-500M tier
12
Loan-to-Member Ratio (LMR)
engagement
Value:
$28,290
Peer Avg: $10,245
#12 of 1077
Top 1.0% in 100M-500M tier
73
Net Charge-Off Rate
risk
Value:
0.04%
Peer Avg: 0.47%
#73 of 1077
Top 6.7% in 100M-500M tier
191
Share Certificate Concentration (%)
balance_sheet
Value:
13.26%
Peer Avg: 23.61%
#191 of 1077
Top 17.6% in 100M-500M tier
Top Weaknesses (7 metrics)
1067
First Mortgage Concentration (%)
balance_sheet
Value:
76.38%
Peer Avg: 30.43%
#1067 of 1077
Bottom 1.0% in 100M-500M tier
1058
Fee Income Per Member
profitability
Value:
$37.64
Peer Avg: $174.31
#1058 of 1077
Bottom 1.9% in 100M-500M tier
1056
Members Per Employee (MPE)
engagement
Value:
179.595
Peer Avg: 332.881
#1056 of 1077
Bottom 2.0% in 100M-500M tier
1040
Net Interest Margin (NIM)
profitability
Value:
2.25%
Peer Avg: 3.58%
#1040 of 1077
Bottom 3.5% in 100M-500M tier
990
Total Members
engagement
Value:
6,645
Peer Avg: 15,628
#990 of 1077
Bottom 8.2% in 100M-500M tier
862
Deposit Growth Rate
growth
Value:
0.13%
Peer Avg: 4.69%
#862 of 1077
Bottom 20.1% in 100M-500M tier
830
Asset Growth Rate
growth
Value:
0.64%
Peer Avg: 4.70%
#830 of 1077
Bottom 23.0% in 100M-500M tier