BlastPoint's Credit Union Scorecard

HOLLEY

Charter #68073 · TN

100M-500M

1070 CUs in 100M-500M nationally 25 in TN

HOLLEY has 6 strengths but faces 7 concerns

National Analysis

How does the industry compare?

TN Analysis

How does TN stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Emerging Performer: Top 50.0% in tier
+ ROA 0.96% above tier average
+ Net Interest Margin 0.22% above tier average
+ Strong member growth: 9.3% YoY
+ Member Growth Rate: Top 4.8% in tier
+ Efficiency Ratio: Top 5.1% in tier

Key Concerns

Areas that may need attention

- Indirect Auto Dependency: Bottom 50.0% in tier
- Credit Risk Growth: Bottom 50.0% in tier
- Shrinking Wallet Share: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- Total Deposits: Bottom 1.2% in tier
- Indirect Auto Concentration (%): Bottom 1.7% in tier
- Total Assets: Bottom 2.0% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (TN)	National Avg	Tier Percentile
Members	9,328 +9.3% YoY+1.9% QoQ	-5.8K	15,145 -2.5% YoY	21,412 +3.7% YoY	33,913 +5.7% YoY	27%
Assets	$102.0M +6.4% YoY+2.1% QoQ	$-129.7M	$231.7M +0.8% YoY	$379.6M +8.7% YoY	$578.3M +9.0% YoY	Bottom 1.9% in tier
Loans	$77.2M +11.6% YoY+1.3% QoQ	$-67.0M	$144.1M +0.2% YoY	$279.0M +7.7% YoY	$402.4M +8.7% YoY	22%
Deposits	$86.6M +5.3% YoY+1.7% QoQ	$-114.5M	$201.1M +0.4% YoY	$319.1M +8.0% YoY	$494.3M +9.1% YoY	Bottom 1.1% in tier

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	1.7% +20.1% YoY+7.5% QoQ	+1.0%	0.7% +5.1% YoY	0.6% -5.0% YoY	0.4% -39.2% YoY	Top 7.9% in tier
NIM	3.9% +10.7% YoY+1.7% QoQ	+0.2%	3.6% +4.6% YoY	3.9% +5.1% YoY	3.8% +4.1% YoY	66%
Efficiency Ratio	56.8% -7.1% YoY-3.7% QoQ	-21.2%	78.0% -1.7% YoY	79.6% +1.7% YoY	84.6% +2.8% YoY	Top 5.1% in tier
Delinquency Rate	0.5% +0.2% YoY-22.6% QoQ	-0.3	0.8% +7.1% YoY	0.9% -14.5% YoY	1.2% +3.4% YoY	43%
Loan To Share	89.1% +6.0% YoY-0.4% QoQ	+18.7%	70.4% -0.4% YoY	68.3% -1.5% YoY	65.6% -1.4% YoY	Top 12.4% in tier
AMR	$17,557 -1.0% YoY-0.4% QoQ	$-7K	$24,918 +2.7% YoY	$18,957 +3.0% YoY	$19,920 +1.6% YoY	19%
CD Concentration	31.8% +4.2% YoY-0.4% QoQ	+7.6%	24.3%	22.3%	19.8%	50%
Indirect Auto %	62.6% +1.4% YoY-0.9% QoQ	+48.8%	13.8%	6.8%	7.7%	50%

Signature Analysis

Strengths (1)

Emerging Performer

growth

#9 of 157 • Top 50.0% in tier

Smaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.

Why This Signature

Return on Assets: 1.69%

(Tier: 0.72%, National: 0.39%)

better than tier avg

Member Growth (YoY): 9.27%

(Tier: 0.72%, National: 10.19%)

better than tier avg

157 of 1070 Mid-Small & Community CUs have this signature | 260 nationally

→ No prior data (157 CUs now) | New qualifier

Concerns (4)

Indirect Auto Dependency

risk

#74 of 504 • Bottom 50.0% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): 6.39%

(Tier: 4.68%, National: 1663.40%)

but better than tier avg

Indirect Auto %: 62.56%

(Tier: 13.80%, National: 7.73%)

worse than tier avg

Member Growth (YoY): 9.27%

(Tier: 0.72%, National: 10.19%)

but better than tier avg

504 of 1070 Mid-Small & Community CUs have this signature | 745 nationally

↓ Shrinking -29 CUs YoY | New qualifier

Credit Risk Growth

risk

#319 of 476 • Bottom 50.0% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 11.58%

(Tier: 4.14%, National: 1.74%)

but better than tier avg

Delinquency Change (YoY): 0.00% points

(Tier: 0.03% points, National: 0.12% points)

but better than tier avg

476 of 1070 Mid-Small & Community CUs have this signature | 710 nationally

→ No prior data (476 CUs now) | New qualifier

Shrinking Wallet Share

decline

#205 of 238 • Bottom 50.0% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature

AMR Growth (YoY): -1.00%

(Tier: 3.74%, National: 6.36%)

worse than tier avg

238 of 1070 Mid-Small & Community CUs have this signature | 335 nationally

↓ Shrinking -109 CUs YoY | New qualifier

Credit Quality Pressure

risk

#725 of 727 • Bottom 50.0% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.00% points

(Tier: 0.03% points, National: 0.12% points)

but better than tier avg

727 of 1070 Mid-Small & Community CUs have this signature | 1013 nationally

↓ Shrinking -60 CUs YoY | New qualifier

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)

Compare against:

Comparing against 1070 peers in tier

Top Strengths (8 metrics)

First Mortgage Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 29.47%

#1 of 1070 Top 0.1% in 100M-500M tier

Member Growth Rate

growth

Value: 9.27%

Peer Median: -0.06%

#52 of 1070 Top 4.8% in 100M-500M tier

Efficiency Ratio

profitability

Value: 56.80%

Peer Median: 78.68%

#56 of 1070 Top 5.1% in 100M-500M tier

Return on Assets (ROA)

profitability

Value: 1.69%

Peer Median: 0.69%

#84 of 1070 Top 7.8% in 100M-500M tier

130

Loan Growth Rate

growth

Value: 11.58%

Peer Median: 2.93%

#130 of 1070 Top 12.1% in 100M-500M tier

133

Loan-to-Share Ratio

balance_sheet

Value: 89.13%

Peer Median: 71.88%

#133 of 1070 Top 12.3% in 100M-500M tier

166

Members Per Employee (MPE)

engagement

Value: 424.000

Peer Median: 309.176

#166 of 1070 Top 15.4% in 100M-500M tier

235

Net Worth Ratio

risk

Value: 13.89%

Peer Median: 11.45%

#235 of 1070 Top 21.9% in 100M-500M tier

Top Weaknesses (7 metrics)

1058

Total Deposits

balance_sheet

Value: $86.59M

Peer Median: $171.29M

#1058 of 1070 Bottom 1.2% in 100M-500M tier

1053

Indirect Auto Concentration (%)

balance_sheet

Value: 62.56%

Peer Median: 6.61%

#1053 of 1070 Bottom 1.7% in 100M-500M tier

1050

Total Assets

balance_sheet

Value: $101.99M

Peer Median: $196.57M

#1050 of 1070 Bottom 2.0% in 100M-500M tier

900

AMR Growth Rate

growth

Value: -1.00%

Peer Median: 3.46%

#900 of 1070 Bottom 16.0% in 100M-500M tier

869

Average Member Relationship (AMR)

engagement

Value: $17,557

Peer Median: $22,931

#869 of 1070 Bottom 18.9% in 100M-500M tier

832

Total Loans

balance_sheet

Value: $77.18M

Peer Median: $121.41M

#832 of 1070 Bottom 22.3% in 100M-500M tier

829

Share Certificate Concentration (%)

balance_sheet

Value: 31.85%

Peer Median: 23.10%

#829 of 1070 Bottom 22.6% in 100M-500M tier