BlastPoint's Credit Union Scorecard

HOLLEY

Charter #68073 ยท TN

2596 CUs in <100M nationally 88 in TN

HOLLEY has 9 strengths but faces 1 concern

Key Strengths

Areas where this CU excels compared to peers

  • + ROA 0.96% above tier average
  • + Strong member growth: 9.5% YoY
  • + First Mortgage Concentration (%): Top 0.0% in tier
  • + Total Loans: Top 0.2% in tier
  • + Total Assets: Top 0.6% in tier
  • + Total Deposits: Top 1.6% in tier
  • + Total Members: Top 2.3% in tier
  • + Member Growth Rate: Top 3.5% in tier
  • + Loan Growth Rate: Top 5.1% in tier

Key Concerns

Areas that may need attention

  • - Indirect Auto Concentration (%): Bottom 1.0% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (TN) National Avg Tier Percentile
Members 8,993
+9.5% YoY+2.5% QoQ
+6.4K 2,625
-2.2% YoY
21,139
+4.9% YoY
33,089
+6.1% YoY
Top 2.3% in tier
Assets $97.8M
+6.6% YoY+0.4% QoQ
+$68.0M $29.9M
+1.1% YoY
$362.5M
+9.5% YoY
$547.7M
+7.8% YoY
Top 0.6% in tier
Loans $75.5M
+16.2% YoY+2.9% QoQ
+$59.7M $15.8M
-2.4% YoY
$271.1M
+9.1% YoY
$388.7M
+8.6% YoY
Top 0.2% in tier
Deposits $83.0M
+5.6% YoY+0.3% QoQ
+$57.6M $25.5M
+0.4% YoY
$303.0M
+8.7% YoY
$464.6M
+9.3% YoY
Top 1.6% in tier

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Tier 1
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ROA 1.6%
+31.9% YoY+9.7% QoQ
+1.0% 0.7%
-731.4% YoY
0.8%
+4.1% YoY
0.7%
+273.4% YoY
84%
NIM 3.8%
+19.0% YoY+4.6% QoQ
-0.2% 3.9%
+3.8% YoY
3.8%
+5.1% YoY
3.7%
+5.0% YoY
44%
Efficiency Ratio 57.7%
-6.5% YoY-3.4% QoQ
-23.7% 81.4%
-2.4% YoY
75.4%
-1.8% YoY
79.1%
-3.3% YoY
Bottom 11.6% in tier
Delinquency Rate 0.7%
+74.8% YoY+33.9% QoQ
-0.8 1.5%
-2.0% YoY
1.1%
+8.5% YoY
1.2%
-0.9% YoY
53%
Loan To Share 90.9%
+10.0% YoY+2.6% QoQ
+29.7% 61.2%
-3.0% YoY
70.4%
-2.4% YoY
68.0%
-1.7% YoY
Top 10.2% in tier
AMR $17,629
+0.8% YoY-1.0% QoQ
+$3K $14,627
-2.7% YoY
$18,470
+2.4% YoY
$19,418
+1.3% YoY
70%
CD Concentration 30.1%
-2.7% YoY-0.0% QoQ
+5.7% 24.4%
+4.2% YoY
22.3%
+6.6% YoY
19.6%
+6.2% YoY
50%
Indirect Auto % 62.6%
+2.1% YoY+3.7% QoQ
+48.7% 14.0%
-5.7% YoY
6.9%
+1.1% YoY
7.9%
-2.9% YoY
50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

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)

Comparing against 2596 peers in tier

Top Strengths (15 metrics)

1
First Mortgage Concentration (%)
balance_sheet
Value: 0.00%
Peer Avg: -
#1 of 2596 Top 0.0% in <100M tier
5
Total Loans
balance_sheet
Value: $75.50M
Peer Avg: -
#5 of 2596 Top 0.2% in <100M tier
16
Total Assets
balance_sheet
Value: $97.83M
Peer Avg: -
#16 of 2596 Top 0.6% in <100M tier
42
Total Deposits
balance_sheet
Value: $83.04M
Peer Avg: -
#42 of 2596 Top 1.6% in <100M tier
60
Total Members
engagement
Value: 8,993
Peer Avg: -
#60 of 2596 Top 2.3% in <100M tier
92
Member Growth Rate
growth
Value: 9.48%
Peer Avg: -
#92 of 2596 Top 3.5% in <100M tier
134
Loan Growth Rate
growth
Value: 16.22%
Peer Avg: -
#134 of 2596 Top 5.1% in <100M tier
261
Loan-to-Share Ratio
balance_sheet
Value: 90.92%
Peer Avg: -
#261 of 2596 Top 10.0% in <100M tier
302
Efficiency Ratio
profitability
Value: 57.70%
Peer Avg: -
#302 of 2596 Top 11.6% in <100M tier
406
Loan-to-Member Ratio (LMR)
engagement
Value: $8,396
Peer Avg: -
#406 of 2596 Top 15.6% in <100M tier

Top Weaknesses (2 metrics)

2572
Indirect Auto Concentration (%)
balance_sheet
Value: 62.64%
Peer Avg: -
#2572 of 2596 Bottom 1.0% in <100M tier
2152
Share Certificate Concentration (%)
balance_sheet
Value: 30.09%
Peer Avg: -
#2152 of 2596 Bottom 17.1% in <100M tier
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