BlastPoint's Credit Union Scorecard
TVH
Charter #6311 · AL
TVH has 4 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 2.25% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - ROA 1.49% below tier average
- - Efficiency ratio 7.74% above tier (higher cost structure)
- - Delinquency rate 0.49% above tier average
- - Net Charge-Off Rate: Bottom 4.1% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
710
+0.7% YoY-0.3% QoQ
|
-1.9K |
2,625
-2.2% YoY
|
29,240
-2.8% YoY
|
33,089
+6.1% YoY
|
20% |
| Assets |
$5.1M
-0.5% YoY+0.7% QoQ
|
$-24.7M |
$29.9M
+1.1% YoY
|
$436.7M
+7.4% YoY
|
$547.7M
+7.8% YoY
|
20% |
| Loans |
$3.6M
+9.0% YoY+0.9% QoQ
|
$-12.2M |
$15.8M
-2.4% YoY
|
$258.0M
+6.8% YoY
|
$388.7M
+8.6% YoY
|
27% |
| Deposits |
$3.9M
-0.2% YoY+1.3% QoQ
|
$-21.5M |
$25.5M
+0.4% YoY
|
$382.5M
+6.8% YoY
|
$464.6M
+9.3% YoY
|
19% |
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| ROA |
-0.8%
-423.0% YoY+53.3% QoQ
|
-1.5% |
0.7%
-731.4% YoY
|
0.8%
+31.6% YoY
|
0.7%
+273.4% YoY
|
Bottom 6.4% in tier |
| NIM |
6.2%
+0.1% YoY-0.4% QoQ
|
+2.3% |
3.9%
+3.8% YoY
|
3.7%
+6.4% YoY
|
3.7%
+5.0% YoY
|
Top 3.5% in tier |
| Efficiency Ratio |
89.1%
+8.1% YoY+4.7% QoQ
|
+7.7% |
81.4%
-2.4% YoY
|
76.4%
-6.2% YoY
|
79.1%
-3.3% YoY
|
75% |
| Delinquency Rate |
2.0%
-32.2% YoY+30.2% QoQ
|
+0.5 |
1.5%
-2.0% YoY
|
1.7%
+18.9% YoY
|
1.2%
-0.9% YoY
|
80% |
| Loan To Share |
90.9%
+9.2% YoY-0.4% QoQ
|
+29.7% |
61.2%
-3.0% YoY
|
60.8%
-1.6% YoY
|
68.0%
-1.7% YoY
|
Top 10.2% in tier |
| AMR |
$10,543
+3.3% YoY+1.4% QoQ
|
$-4K |
$14,627
-2.7% YoY
|
$17,062
+2.3% YoY
|
$19,418
+1.3% YoY
|
32% |
| CD Concentration | 0.0% | -24.4% |
24.4%
+4.2% YoY
|
20.8%
+2.9% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
5.4%
-6.7% 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)