BlastPoint's Credit Union Scorecard
KENNEDY VA EMPLOYEES
Charter #5811 · TN
KENNEDY VA EMPLOYEES has 3 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.13% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - ROA 1.11% below tier average
- - Efficiency ratio 9.12% above tier (higher cost structure)
- - Loan Growth Rate: Bottom 4.0% in tier
- - AMR Growth Rate: Bottom 5.0% in tier
- - Net Charge-Off Rate: Bottom 9.3% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,347
+2.7% YoY+1.1% QoQ
|
+721 |
2,625
-2.2% YoY
|
21,139
+4.9% YoY
|
33,089
+6.1% YoY
|
72% |
| Assets |
$25.8M
-2.5% YoY-1.2% QoQ
|
$-4.0M |
$29.9M
+1.1% YoY
|
$362.5M
+9.5% YoY
|
$547.7M
+7.8% YoY
|
55% |
| Loans |
$9.4M
-25.1% YoY-8.7% QoQ
|
$-6.3M |
$15.8M
-2.4% YoY
|
$271.1M
+9.1% YoY
|
$388.7M
+8.6% YoY
|
49% |
| Deposits |
$21.8M
-2.7% YoY-1.7% QoQ
|
$-3.6M |
$25.5M
+0.4% YoY
|
$303.0M
+8.7% YoY
|
$464.6M
+9.3% YoY
|
55% |
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| ROA |
-0.4%
-159.7% YoY-51.1% QoQ
|
-1.1% |
0.7%
-731.4% YoY
|
0.8%
+4.1% YoY
|
0.7%
+273.4% YoY
|
Bottom 9.5% in tier |
| NIM |
4.1%
-3.7% YoY-0.5% QoQ
|
+0.1% |
3.9%
+3.8% YoY
|
3.8%
+5.1% YoY
|
3.7%
+5.0% YoY
|
57% |
| Efficiency Ratio |
90.5%
+9.9% YoY+3.0% QoQ
|
+9.1% |
81.4%
-2.4% YoY
|
75.4%
-1.8% YoY
|
79.1%
-3.3% YoY
|
78% |
| Delinquency Rate |
0.5%
-52.7% YoY-30.6% QoQ
|
-1.0 |
1.5%
-2.0% YoY
|
1.1%
+8.5% YoY
|
1.2%
-0.9% YoY
|
42% |
| Loan To Share |
43.1%
-23.1% YoY-7.1% QoQ
|
-18.1% |
61.2%
-3.0% YoY
|
70.4%
-2.4% YoY
|
68.0%
-1.7% YoY
|
23% |
| AMR |
$9,339
-13.1% YoY-4.9% QoQ
|
$-5K |
$14,627
-2.7% YoY
|
$18,470
+2.4% YoY
|
$19,418
+1.3% YoY
|
26% |
| CD Concentration |
17.9%
+6.5% YoY-12.0% QoQ
|
-6.6% |
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 (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)