BlastPoint's Credit Union Scorecard
HIWASSEE RIVER
Charter #67946 · TN
HIWASSEE RIVER has 2 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.01% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - Member decline: -2.7% YoY
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,980
-2.7% YoY-1.8% QoQ
|
-645 |
2,625
-2.2% YoY
|
21,139
+4.9% YoY
|
33,089
+6.1% YoY
|
51% |
| Assets |
$27.3M
-5.6% YoY-2.7% QoQ
|
$-2.6M |
$29.9M
+1.1% YoY
|
$362.5M
+9.5% YoY
|
$547.7M
+7.8% YoY
|
57% |
| Loans |
$12.8M
-7.6% YoY+1.0% QoQ
|
$-3.0M |
$15.8M
-2.4% YoY
|
$271.1M
+9.1% YoY
|
$388.7M
+8.6% YoY
|
57% |
| Deposits |
$24.2M
-6.9% YoY-3.1% QoQ
|
$-1.3M |
$25.5M
+0.4% YoY
|
$303.0M
+8.7% YoY
|
$464.6M
+9.3% YoY
|
58% |
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| ROA |
0.7%
+28.0% YoY+19.7% QoQ
|
+0.0% |
0.7%
-731.4% YoY
|
0.8%
+4.1% YoY
|
0.7%
+273.4% YoY
|
46% |
| NIM |
2.8%
+18.9% YoY+4.7% QoQ
|
-1.2% |
3.9%
+3.8% YoY
|
3.8%
+5.1% YoY
|
3.7%
+5.0% YoY
|
Bottom 12.4% in tier |
| Efficiency Ratio |
77.2%
-2.8% YoY-2.8% QoQ
|
-4.2% |
81.4%
-2.4% YoY
|
75.4%
-1.8% YoY
|
79.1%
-3.3% YoY
|
47% |
| Delinquency Rate |
0.4%
+6751.4% YoY+29.6% QoQ
|
-1.1 |
1.5%
-2.0% YoY
|
1.1%
+8.5% YoY
|
1.2%
-0.9% YoY
|
39% |
| Loan To Share |
52.8%
-0.7% YoY+4.3% QoQ
|
-8.5% |
61.2%
-3.0% YoY
|
70.4%
-2.4% YoY
|
68.0%
-1.7% YoY
|
36% |
| AMR |
$18,677
-4.6% YoY+0.1% QoQ
|
+$4K |
$14,627
-2.7% YoY
|
$18,470
+2.4% YoY
|
$19,418
+1.3% YoY
|
74% |
| CD Concentration |
29.7%
+3.2% YoY+2.3% QoQ
|
+5.3% |
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)