BlastPoint's Credit Union Scorecard
KENNEDY VA EMPLOYEES
Charter #5811 · TN
KENNEDY VA EMPLOYEES has 4 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.19% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Members Per Employee (MPE): Top 9.6% in tier
Key Concerns
Areas that may need attention
- - ROA 0.73% below tier average
- - Efficiency ratio 7.26% above tier (higher cost structure)
- - Loan Growth Rate: Bottom 3.2% in tier
- - AMR Growth Rate: Bottom 4.2% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,350
+2.0% YoY+0.1% QoQ
|
+734 |
2,615
-1.9% YoY
|
21,265
+4.5% YoY
|
33,374
+5.7% YoY
|
72% |
| Assets |
$25.6M
-2.1% YoY-0.8% QoQ
|
$-4.5M |
$30.1M
+2.1% YoY
|
$372.5M
+10.3% YoY
|
$561.6M
+9.7% YoY
|
55% |
| Loans |
$8.6M
-26.4% YoY-9.0% QoQ
|
$-7.2M |
$15.8M
-1.3% YoY
|
$275.7M
+8.6% YoY
|
$397.0M
+8.8% YoY
|
47% |
| Deposits |
$21.6M
-2.5% YoY-1.1% QoQ
|
$-4.1M |
$25.7M
+1.4% YoY
|
$312.1M
+9.5% YoY
|
$477.3M
+9.7% YoY
|
54% |
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| ROA |
-0.1%
-121.5% YoY-74.1% QoQ
|
-0.7% |
0.6%
+10.8% YoY
|
0.7%
-5.8% YoY
|
0.7%
+15.9% YoY
|
Bottom 13.9% in tier |
| NIM |
4.1%
-0.5% YoY+2.0% QoQ
|
+0.2% |
4.0%
+4.0% YoY
|
3.8%
+3.7% YoY
|
3.8%
+5.1% YoY
|
61% |
| Efficiency Ratio |
89.8%
+5.2% YoY-0.8% QoQ
|
+7.3% |
82.6%
-2.3% YoY
|
79.4%
+2.9% YoY
|
79.7%
-3.3% YoY
|
75% |
| Delinquency Rate |
0.7%
-60.0% YoY+34.1% QoQ
|
-0.9 |
1.6%
-3.1% YoY
|
1.1%
-12.6% YoY
|
1.3%
-2.1% YoY
|
49% |
| Loan To Share |
39.7%
-24.5% YoY-8.0% QoQ
|
-20.9% |
60.6%
-3.1% YoY
|
70.0%
-2.2% YoY
|
67.4%
-1.7% YoY
|
19% |
| AMR |
$9,008
-12.5% YoY-3.5% QoQ
|
$-6K |
$14,783
-1.4% YoY
|
$18,770
+3.9% YoY
|
$19,687
+2.0% YoY
|
24% |
| CD Concentration |
14.9%
-27.1% YoY-16.6% QoQ
|
-9.5% | 24.4% | 22.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 6.7% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)