BlastPoint's Credit Union Scorecard
HOLLEY
Charter #68073 · TN
HOLLEY has 6 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Emerging Performer: Top 50.0% in tier
- + ROA 0.75% above tier average
- + Net Interest Margin 0.16% above tier average
- + Strong member growth: 7.9% YoY
- + Member Growth Rate: Top 4.7% in tier
- + Efficiency Ratio: Top 6.2% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 50.0% in tier
- - Shrinking Wallet Share: Bottom 50.0% in tier
- - Indirect Auto Concentration (%): Bottom 2.0% in tier
- - Total Deposits: Bottom 2.6% in tier
- - Total Assets: Bottom 3.3% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 25 that size in Tennessee.
- Shares and deposits +7.7% year over year ($89.2M in shares and deposits).
- Membership: 9,464 members, +7.9% vs a year ago.
- Delinquency rate 0.51%.
- Return on assets 1.62%.
- Efficiency ratio 57.42% vs a 76.73% peer average.
- Loan-to-share ratio 87.47% vs a 71.54% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
9,464
+7.9% YoY+1.5% QoQ
|
-5.7K |
15,168
-2.6% YoY
|
22,058
+4.8% YoY
|
34,678
+6.6% YoY
|
29% |
| Assets |
$105.3M
+8.1% YoY+3.2% QoQ
|
$-126.7M |
$232.0M
+0.7% YoY
|
$390.3M
+9.5% YoY
|
$593.1M
+10.2% YoY
|
Bottom 3.2% in tier |
| Loans |
$78.0M
+6.3% YoY+1.1% QoQ
|
$-68.2M |
$146.3M
+0.2% YoY
|
$289.3M
+8.5% YoY
|
$418.6M
+10.1% YoY
|
22% |
| Deposits |
$89.2M
+7.7% YoY+3.0% QoQ
|
$-111.5M |
$200.7M
+0.2% YoY
|
$326.4M
+8.9% YoY
|
$504.8M
+10.3% YoY
|
Bottom 2.5% in tier |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
1.6%
+7.8% YoY-4.1% QoQ
|
+0.8% |
0.9%
+12.5% YoY
|
1.1%
+46.9% YoY
|
1.2%
+121.4% YoY
|
Top 9.9% in tier |
| NIM |
3.8%
+7.2% YoY-0.2% QoQ
|
+0.2% |
3.7%
+4.5% YoY
|
3.9%
+2.1% YoY
|
3.8%
+2.3% YoY
|
62% |
| Efficiency Ratio |
57.4%
-3.9% YoY+1.1% QoQ
|
-19.3% |
76.7%
-0.8% YoY
|
78.9%
+2.6% YoY
|
83.0%
-5.3% YoY
|
Top 6.2% in tier |
| Delinquency Rate |
0.5%
-8.7% YoY-2.5% QoQ
|
-0.4 |
0.9%
+6.6% YoY
|
1.1%
-1.7% YoY
|
1.3%
+2.6% YoY
|
37% |
| Loan To Share |
87.5%
-1.3% YoY-1.9% QoQ
|
+15.9% |
71.5%
-0.3% YoY
|
68.7%
-1.7% YoY
|
66.4%
-1.4% YoY
|
81% |
| AMR |
$17,670
-0.8% YoY+0.6% QoQ
|
$-7K |
$25,107
+3.2% YoY
|
$19,228
+3.5% YoY
|
$20,028
-0.9% YoY
|
19% |
| CD Concentration |
32.8%
+9.1% YoY+3.1% QoQ
|
+8.3% | 24.6% | 22.4% | 20.0% | 50% |
| Indirect Auto % |
61.3%
+1.5% YoY-2.0% QoQ
|
+47.7% | 13.6% | 6.8% | 7.7% | 50% |
Signature Analysis
Strengths (1)
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Concerns (2)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
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)