THE WEST TENNESSEE
Charter #60726 | TN
<100M
(2596 CUs)
Micro
($0-$500M)
88 <100M in TN
THE WEST TENNESSEE has 2 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.33% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - ROA 0.27% below tier average
- - Delinquency rate 0.24% above tier average
- - Member decline: -2.3% YoY
- - Net Charge-Off Rate: Bottom 9.7% in tier
- - Loan Growth Rate: Bottom 9.8% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,643
-2.3% YoY-0.1% QoQ
|
-982 |
2,625
-2.2% YoY
|
21,139
+4.9% YoY
|
33,089
+6.1% YoY
|
43rd in tier |
| Assets |
$18.1M
-2.1% YoY-1.6% QoQ
|
$-11.8M |
$29.9M
+1.1% YoY
|
$362.5M
+9.5% YoY
|
$547.7M
+7.8% YoY
|
46th in tier |
| Loans |
$13.7M
-16.2% YoY-5.6% QoQ
|
$-2.0M |
$15.8M
-2.4% YoY
|
$271.1M
+9.1% YoY
|
$388.7M
+8.6% YoY
|
59th in tier |
| Deposits |
$15.9M
+1.0% YoY-1.1% QoQ
|
$-9.5M |
$25.5M
+0.4% YoY
|
$303.0M
+8.7% YoY
|
$464.6M
+9.3% YoY
|
47th in tier |
| ROA |
0.4%
-65.9% YoY-45.0% QoQ
|
-0.3% |
0.7%
-731.4% YoY
|
0.8%
+4.1% YoY
|
0.7%
+273.4% YoY
|
32nd in tier |
| NIM |
4.3%
-1.1% YoY+1.9% QoQ
|
+0.3% |
3.9%
+3.8% YoY
|
3.8%
+5.1% YoY
|
3.7%
+5.0% YoY
|
65th in tier |
| Efficiency Ratio |
59.2%
-14.8% YoY-17.8% QoQ
|
-22.2% |
81.4%
-2.4% YoY
|
75.4%
-1.8% YoY
|
79.1%
-3.3% YoY
|
Bottom 12.8% in tier |
| Delinquency Rate |
1.7%
+407.0% YoY-34.4% QoQ
|
+0.2 |
1.5%
-2.0% YoY
|
1.1%
+8.5% YoY
|
1.2%
-0.9% YoY
|
Top 23.5% in tier |
| Loan To Share |
86.2%
-17.0% YoY-4.5% QoQ
|
+25.0% |
61.2%
-3.0% YoY
|
70.4%
-2.4% YoY
|
68.0%
-1.7% YoY
|
Top 15.1% in tier |
| AMR |
$18,074
-5.7% YoY-3.1% QoQ
|
+$3K |
$14,627
-2.7% YoY
|
$18,470
+2.4% YoY
|
$19,418
+1.3% YoY
|
72nd in tier |
| CD Concentration |
15.6%
+30.6% YoY+1.2% QoQ
|
-8.8% |
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 (0)
No strengths identified
Concerns (0)
No concerns identified
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: 2.84%
#1 of 2596
Top 0.0% in <100M tier
333
Efficiency Ratio
profitability
Value:
59.18%
Peer Avg: 81.39%
#333 of 2596
Top 12.8% in <100M tier
347
Fee Income Per Member
profitability
Value:
$155.12
Peer Avg: $182.96
#347 of 2596
Top 13.3% in <100M tier
389
Loan-to-Share Ratio
balance_sheet
Value:
86.19%
Peer Avg: 61.23%
#389 of 2596
Top 14.9% in <100M tier
416
Loan-to-Member Ratio (LMR)
engagement
Value:
$8,367
Peer Avg: $5,488
#416 of 2596
Top 16.0% in <100M tier
Top Weaknesses (4 metrics)
2346
Net Charge-Off Rate
risk
Value:
1.39%
Peer Avg: 0.57%
#2346 of 2596
Bottom 9.7% in <100M tier
2342
Loan Growth Rate
growth
Value:
-16.23%
Peer Avg: 59.01%
#2342 of 2596
Bottom 9.8% in <100M tier
2188
AMR Growth Rate
growth
Value:
-5.65%
Peer Avg: 4.67%
#2188 of 2596
Bottom 15.8% in <100M tier
1988
Total Delinquency Rate (60+ days)
risk
Value:
1.75%
Peer Avg: 1.51%
#1988 of 2596
Bottom 23.5% in <100M tier