BlastPoint's Credit Union Scorecard
HOLLEY
Charter #68073 · TN
HOLLEY has 9 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.95% above tier average
- + Strong member growth: 9.9% YoY
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Total Assets: Top 0.0% in tier
- + Total Loans: Top 0.3% in tier
- + Total Deposits: Top 1.1% in tier
- + Total Members: Top 2.0% in tier
- + Member Growth Rate: Top 2.9% in tier
- + Loan Growth Rate: Top 5.0% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Concentration (%): Bottom 0.8% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
9,154
+9.9% YoY+1.8% QoQ
|
+6.5K |
2,615
-1.9% YoY
|
21,265
+4.5% YoY
|
33,374
+5.7% YoY
|
Top 2.1% in tier |
| Assets |
$99.9M
+7.9% YoY+2.1% QoQ
|
+$69.7M |
$30.1M
+2.1% YoY
|
$372.5M
+10.3% YoY
|
$561.6M
+9.7% YoY
|
Top 0.1% in tier |
| Loans |
$76.2M
+17.0% YoY+0.9% QoQ
|
+$60.4M |
$15.8M
-1.3% YoY
|
$275.7M
+8.6% YoY
|
$397.0M
+8.8% YoY
|
Top 0.3% in tier |
| Deposits |
$85.1M
+7.9% YoY+2.5% QoQ
|
+$59.4M |
$25.7M
+1.4% YoY
|
$312.1M
+9.5% YoY
|
$477.3M
+9.7% YoY
|
Top 1.1% in tier |
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| ROA |
1.6%
+26.4% YoY-4.7% QoQ
|
+0.9% |
0.6%
+10.8% YoY
|
0.7%
-5.8% YoY
|
0.7%
+15.9% YoY
|
Top 14.4% in tier |
| NIM |
3.8%
+18.5% YoY+1.0% QoQ
|
-0.2% |
4.0%
+4.0% YoY
|
3.8%
+3.7% YoY
|
3.8%
+5.1% YoY
|
46% |
| Efficiency Ratio |
59.0%
-5.4% YoY+2.2% QoQ
|
-23.6% |
82.6%
-2.3% YoY
|
79.4%
+2.9% YoY
|
79.7%
-3.3% YoY
|
Bottom 10.3% in tier |
| Delinquency Rate |
0.7%
+75.4% YoY-9.6% QoQ
|
-0.9 |
1.6%
-3.1% YoY
|
1.1%
-12.6% YoY
|
1.3%
-2.1% YoY
|
48% |
| Loan To Share |
89.5%
+8.4% YoY-1.6% QoQ
|
+28.9% |
60.6%
-3.1% YoY
|
70.0%
-2.2% YoY
|
67.4%
-1.7% YoY
|
Top 10.5% in tier |
| AMR |
$17,623
+1.9% YoY-0.0% QoQ
|
+$3K |
$14,783
-1.4% YoY
|
$18,770
+3.9% YoY
|
$19,687
+2.0% YoY
|
69% |
| CD Concentration |
32.0%
-0.5% YoY+6.3% QoQ
|
+7.6% | 24.4% | 22.4% | 19.8% | 50% |
| Indirect Auto % |
63.1%
+2.7% YoY+0.7% QoQ
|
+49.3% | 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)