BlastPoint's Credit Union Scorecard
HIWASSEE RIVER
Charter #67946 · TN
HIWASSEE RIVER has 1 strength but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - ROA 0.02% below tier average
- - Member decline: -3.5% YoY
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,962
-3.5% YoY-0.9% QoQ
|
-653 |
2,615
-1.9% YoY
|
21,265
+4.5% YoY
|
33,374
+5.7% YoY
|
50% |
| Assets |
$26.9M
-5.1% YoY-1.5% QoQ
|
$-3.3M |
$30.1M
+2.1% YoY
|
$372.5M
+10.3% YoY
|
$561.6M
+9.7% YoY
|
56% |
| Loans |
$12.4M
-9.1% YoY-3.1% QoQ
|
$-3.4M |
$15.8M
-1.3% YoY
|
$275.7M
+8.6% YoY
|
$397.0M
+8.8% YoY
|
56% |
| Deposits |
$23.8M
-5.9% YoY-1.5% QoQ
|
$-1.9M |
$25.7M
+1.4% YoY
|
$312.1M
+9.5% YoY
|
$477.3M
+9.7% YoY
|
57% |
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| ROA |
0.6%
+31.2% YoY-12.0% QoQ
|
-0.0% |
0.6%
+10.8% YoY
|
0.7%
-5.8% YoY
|
0.7%
+15.9% YoY
|
45% |
| NIM |
2.8%
+17.8% YoY+1.6% QoQ
|
-1.1% |
4.0%
+4.0% YoY
|
3.8%
+3.7% YoY
|
3.8%
+5.1% YoY
|
Bottom 14.3% in tier |
| Efficiency Ratio |
79.6%
-2.9% YoY+3.2% QoQ
|
-2.9% |
82.6%
-2.3% YoY
|
79.4%
+2.9% YoY
|
79.7%
-3.3% YoY
|
50% |
| Delinquency Rate |
0.2%
-0.8% YoY-53.5% QoQ
|
-1.3 |
1.6%
-3.1% YoY
|
1.1%
-12.6% YoY
|
1.3%
-2.1% YoY
|
26% |
| Loan To Share |
51.9%
-3.3% YoY-1.6% QoQ
|
-8.7% |
60.6%
-3.1% YoY
|
70.0%
-2.2% YoY
|
67.4%
-1.7% YoY
|
36% |
| AMR |
$18,456
-3.6% YoY-1.2% QoQ
|
+$4K |
$14,783
-1.4% YoY
|
$18,770
+3.9% YoY
|
$19,687
+2.0% YoY
|
72% |
| CD Concentration |
30.5%
+5.9% YoY+2.7% QoQ
|
+6.1% | 24.4% | 22.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 6.7% | 7.8% | 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)