DIXIE LINE
Charter #67937 | TN
<100M
(2596 CUs)
Micro
($0-$500M)
88 <100M in TN
DIXIE LINE has 2 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - ROA 1.83% below tier average
- - Efficiency ratio 15.18% above tier (higher cost structure)
- - Delinquency rate 0.04% above tier average
- - Share Certificate Concentration (%): Bottom 0.6% in tier
- - Net Charge-Off Rate: Bottom 4.3% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
834
-1.7% YoY-0.1% QoQ
|
-1.8K |
2,625
-2.2% YoY
|
21,139
+4.9% YoY
|
33,089
+6.1% YoY
|
Bottom 24.0% in tier |
| Assets |
$13.3M
+0.7% YoY+4.7% QoQ
|
$-16.5M |
$29.9M
+1.1% YoY
|
$362.5M
+9.5% YoY
|
$547.7M
+7.8% YoY
|
39th in tier |
| Loans |
$7.8M
-2.5% YoY-1.4% QoQ
|
$-7.9M |
$15.8M
-2.4% YoY
|
$271.1M
+9.1% YoY
|
$388.7M
+8.6% YoY
|
44th in tier |
| Deposits |
$10.9M
+1.7% YoY+6.6% QoQ
|
$-14.5M |
$25.5M
+0.4% YoY
|
$303.0M
+8.7% YoY
|
$464.6M
+9.3% YoY
|
39th in tier |
| ROA |
-1.1%
-226.0% YoY+144.8% QoQ
|
-1.8% |
0.7%
-731.4% YoY
|
0.8%
+4.1% YoY
|
0.7%
+273.4% YoY
|
Bottom 5.0% in tier |
| NIM |
3.7%
-9.4% YoY+2.7% QoQ
|
-0.2% |
3.9%
+3.8% YoY
|
3.8%
+5.1% YoY
|
3.7%
+5.0% YoY
|
43rd in tier |
| Efficiency Ratio |
96.6%
+31.2% YoY-3.1% QoQ
|
+15.2% |
81.4%
-2.4% YoY
|
75.4%
-1.8% YoY
|
79.1%
-3.3% YoY
|
Top 14.2% in tier |
| Delinquency Rate |
1.6%
-22.2% YoY-49.9% QoQ
|
+0.0 |
1.5%
-2.0% YoY
|
1.1%
+8.5% YoY
|
1.2%
-0.9% YoY
|
73rd in tier |
| Loan To Share |
71.6%
-4.1% YoY-7.5% QoQ
|
+10.4% |
61.2%
-3.0% YoY
|
70.4%
-2.4% YoY
|
68.0%
-1.7% YoY
|
65th in tier |
| AMR |
$22,513
+1.6% YoY+3.2% QoQ
|
+$8K |
$14,627
-2.7% YoY
|
$18,470
+2.4% YoY
|
$19,418
+1.3% YoY
|
Top 12.9% in tier |
| CD Concentration |
69.3%
+35.5% YoY+6.8% QoQ
|
+44.9% |
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 (4 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 14.49%
#1 of 2596
Top 0.0% in <100M tier
273
Loan-to-Member Ratio (LMR)
engagement
Value:
$9,394
Peer Avg: $5,488
#273 of 2596
Top 10.5% in <100M tier
334
Average Member Relationship (AMR)
engagement
Value:
$22,513
Peer Avg: $14,627
#334 of 2596
Top 12.8% in <100M tier
Top Weaknesses (6 metrics)
2581
Share Certificate Concentration (%)
balance_sheet
Value:
69.26%
Peer Avg: 15.37%
#2581 of 2596
Bottom 0.6% in <100M tier
2486
Net Charge-Off Rate
risk
Value:
2.53%
Peer Avg: 0.57%
#2486 of 2596
Bottom 4.3% in <100M tier
2467
Return on Assets (ROA)
profitability
Value:
-1.14%
Peer Avg: 0.68%
#2467 of 2596
Bottom 5.0% in <100M tier
2228
Efficiency Ratio
profitability
Value:
96.57%
Peer Avg: 81.39%
#2228 of 2596
Bottom 14.2% in <100M tier
2153
Members Per Employee (MPE)
engagement
Value:
208.500
Peer Avg: 365.701
#2153 of 2596
Bottom 17.1% in <100M tier
1973
Total Members
engagement
Value:
834
Peer Avg: 2,626
#1973 of 2596
Bottom 24.0% in <100M tier