BlastPoint's Credit Union Scorecard
JOHNSONVILLE TVA EMPLOYEES
Charter #60345 · TN
JOHNSONVILLE TVA EMPLOYEES has 8 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + Profitability Leader: Top 9.1% in tier
- + Organic Growth Engine: Top 11.5% in tier
- + Organic Growth Leader: Top 30.7% in tier
- + ROA 1.28% above tier average
- + Net Interest Margin 0.22% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Efficiency Ratio: Top 2.9% in tier
- + Net Worth Ratio: Top 9.7% in tier
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 73.7% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
10,523
+0.7% YoY+0.3% QoQ
|
-5.1K |
15,628
-3.4% YoY
|
21,139
+4.9% YoY
|
33,089
+6.1% YoY
|
33% |
| Assets |
$168.1M
+6.1% YoY-0.3% QoQ
|
$-63.2M |
$231.3M
-0.0% YoY
|
$362.5M
+9.5% YoY
|
$547.7M
+7.8% YoY
|
38% |
| Loans |
$89.9M
+1.4% YoY-0.9% QoQ
|
$-57.9M |
$147.8M
-1.4% YoY
|
$271.1M
+9.1% YoY
|
$388.7M
+8.6% YoY
|
29% |
| Deposits |
$140.2M
+4.5% YoY-0.8% QoQ
|
$-60.1M |
$200.3M
-0.0% YoY
|
$303.0M
+8.7% YoY
|
$464.6M
+9.3% YoY
|
36% |
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| ROA |
2.1%
+7.1% YoY+5.5% QoQ
|
+1.3% |
0.8%
+15.5% YoY
|
0.8%
+4.1% YoY
|
0.7%
+273.4% YoY
|
Top 2.7% in tier |
| NIM |
3.8%
+7.5% YoY+1.0% QoQ
|
+0.2% |
3.6%
+6.9% YoY
|
3.8%
+5.1% YoY
|
3.7%
+5.0% YoY
|
62% |
| Efficiency Ratio |
51.8%
-7.7% YoY-2.5% QoQ
|
-25.4% |
77.3%
-3.0% YoY
|
75.4%
-1.8% YoY
|
79.1%
-3.3% YoY
|
Bottom 2.9% in tier |
| Delinquency Rate |
0.8%
-15.1% YoY+7.3% QoQ
|
-0.1 |
0.9%
+7.6% YoY
|
1.1%
+8.5% YoY
|
1.2%
-0.9% YoY
|
58% |
| Loan To Share |
64.1%
-3.0% YoY-0.0% QoQ
|
-8.6% |
72.7%
-1.5% YoY
|
70.4%
-2.4% YoY
|
68.0%
-1.7% YoY
|
29% |
| AMR |
$21,870
+2.6% YoY-1.2% QoQ
|
$-2K |
$24,363
+2.9% YoY
|
$18,470
+2.4% YoY
|
$19,418
+1.3% YoY
|
46% |
| CD Concentration |
20.6%
+13.3% YoY+9.8% QoQ
|
-3.8% |
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 (3)
Profitability Leader
growthTop-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Concerns (1)
Liquidity Overhang
riskVery high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.
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)