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 0.38% above tier average
- + Net Charge-Off Rate: Top 5.4% in tier
Key Concerns
Areas that may need attention
- - Member decline: -3.8% YoY
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,954
-3.8% YoY-0.4% QoQ
|
-722 |
2,676
+1.6% YoY
|
21,412
+3.7% YoY
|
33,913
+5.7% YoY
|
51% |
| Assets |
$27.9M
-2.7% YoY+3.6% QoQ
|
$-2.3M |
$30.2M
+1.3% YoY
|
$379.6M
+8.7% YoY
|
$578.3M
+9.0% YoY
|
57% |
| Loans |
$11.9M
-9.9% YoY-3.5% QoQ
|
$-3.3M |
$15.3M
-2.0% YoY
|
$279.0M
+7.7% YoY
|
$402.4M
+8.7% YoY
|
56% |
| Deposits |
$24.8M
-3.4% YoY+4.0% QoQ
|
$-1.0M |
$25.8M
+0.7% YoY
|
$319.1M
+8.0% YoY
|
$494.3M
+9.1% YoY
|
58% |
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| ROA |
0.5%
+1.4% YoY-12.9% QoQ
|
+0.4% |
0.1%
-77.6% YoY
|
0.6%
-5.0% YoY
|
0.4%
-39.2% YoY
|
46% |
| NIM |
2.8%
+12.2% YoY-0.4% QoQ
|
-1.2% |
4.0%
+4.0% YoY
|
3.9%
+5.1% YoY
|
3.8%
+4.1% YoY
|
Bottom 13.7% in tier |
| Efficiency Ratio |
82.4%
+1.9% YoY+3.5% QoQ
|
-8.2% |
90.6%
+6.5% YoY
|
79.6%
+1.7% YoY
|
84.6%
+2.8% YoY
|
52% |
| Delinquency Rate |
0.1%
-63.6% QoQ
|
-1.4 |
1.5%
+3.8% YoY
|
0.9%
-14.5% YoY
|
1.2%
+3.4% YoY
|
20% |
| Loan To Share |
48.2%
-6.7% YoY-7.2% QoQ
|
-10.3% |
58.5%
-3.0% YoY
|
68.3%
-1.5% YoY
|
65.6%
-1.4% YoY
|
34% |
| AMR |
$18,796
-1.9% YoY+1.8% QoQ
|
+$4K |
$14,884
-1.7% YoY
|
$18,957
+3.0% YoY
|
$19,920
+1.6% YoY
|
73% |
| CD Concentration |
29.4%
+1.1% YoY-3.8% QoQ
|
+5.1% | 24.3% | 22.3% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 6.8% | 7.7% | 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)