BlastPoint's Credit Union Scorecard

KNOXVILLE TVA EMPLOYEES

Charter #68085 · TN

Mid-Market 3B-5B
76 CUs in 3B-5B nationally 3 in TN
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KNOXVILLE TVA EMPLOYEES has 8 strengths but faces 5 concerns

National Analysis

How does the industry compare?
Mid-Market Tier

What's your peer group doing?
TN Analysis

How does TN stack up?

Key Strengths

Areas where this CU excels compared to peers

  • + Organic Growth Engine: Top 8.2% in tier
  • + Profitability Leader: Top 14.9% in tier
  • + ROA 0.85% above tier average
  • + Net Interest Margin 0.05% above tier average
  • + Efficiency Ratio: Top 1.3% in tier
  • + Total Assets: Top 1.3% in tier
  • + Total Deposits: Top 1.3% in tier
  • + Total Loans: Top 3.9% in tier

Key Concerns

Areas that may need attention

  • - Indirect Auto Dependency: Bottom 3.1% in tier
  • - Credit Risk Growth: Bottom 12.2% in tier
  • - Credit Quality Pressure: Bottom 14.5% in tier
  • - Liquidity Strain: Bottom 17.6% in tier
  • - Indirect Auto Concentration (%): Bottom 6.6% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (TN) National Avg Tier Percentile
Members 298,362
+4.6% YoY+1.4% QoQ
 +59.9K 238,465
+0.6% YoY
 21,139
+4.9% YoY
 33,089
+6.1% YoY
 84%
Assets $5.0B
+8.2% YoY+2.7% QoQ
 +$1.0B $4.0B
-0.1% YoY
 $362.5M
+9.5% YoY
 $547.7M
+7.8% YoY
 Top 2.6% in tier
Loans $4.1B
+7.7% YoY+1.1% QoQ
 +$1.1B $3.0B
+3.3% YoY
 $271.1M
+9.1% YoY
 $388.7M
+8.6% YoY
 Top 5.3% in tier
Deposits $4.3B
+8.4% YoY+2.7% QoQ
 +$949.5M $3.3B
+1.1% YoY
 $303.0M
+8.7% YoY
 $464.6M
+9.3% YoY
 Top 2.6% in tier

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Tier 1
50+ financial metrics with peer benchmarks
Performance signatures (strengths & concerns)
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ROA 1.6%
+15.3% YoY-2.3% QoQ
 +0.9% 0.7%
+5.3% YoY
 0.8%
+4.1% YoY
 0.7%
+273.4% YoY
 Top 3.9% in tier
NIM 3.3%
+11.1% YoY+1.7% QoQ
 +0.1% 3.2%
+13.7% YoY
 3.8%
+5.1% YoY
 3.7%
+5.0% YoY
 51%
Efficiency Ratio 54.3%
-7.5% YoY-2.1% QoQ
 -17.0% 71.3%
-0.6% YoY
 75.4%
-1.8% YoY
 79.1%
-3.3% YoY
 Bottom 1.3% in tier
Delinquency Rate 0.4%
+39.2% YoY+13.3% QoQ
 -0.4 0.8%
+15.9% YoY
 1.1%
+8.5% YoY
 1.2%
-0.9% YoY
 30%
Loan To Share 95.3%
-0.6% YoY-1.6% QoQ
 +4.4% 90.8%
+2.0% YoY
 70.4%
-2.4% YoY
 68.0%
-1.7% YoY
 60%
AMR $28,027
+3.2% YoY+0.5% QoQ
 $-1K $29,088
+0.1% YoY
 $18,470
+2.4% YoY
 $19,418
+1.3% YoY
 46%
CD Concentration 33.2%
-2.4% YoY+2.8% QoQ
 +4.2% 29.0%
+0.7% YoY
 22.3%
+6.6% YoY
 19.6%
+6.2% YoY
 70%
Indirect Auto % 47.1%
+0.8% YoY+1.3% QoQ
 +28.3% 18.8%
-3.0% YoY
 6.9%
+1.1% YoY
 7.9%
-2.9% YoY
 Top 6.3% in tier

Signature Analysis

Strengths (2)

Organic Growth Engine

growth
#60 of 246 • Top 8.2% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 4.63%
(Tier: 3.18%, National: 9.37%)
better than tier avg
Return on Assets: 1.60%
(Tier: 0.71%, National: 0.71%)
better than tier avg
Indirect Auto %: 47.05%
(Tier: 18.77%, National: 7.90%)
but worse than tier avg
246 of 380 Mid-Market CUs have this signature | 917 nationally
↑ Growing +14 CUs YoY | Rank worsening

Profitability Leader

growth
#15 of 95 • Top 14.9% in tier

Top-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.

Why This Signature
Return on Assets: 1.60%
(Tier: 0.71%, National: 0.71%)
better than tier avg
ROA Change (YoY): 0.21% points
(Tier: 0.07% points, National: 0.05% points)
better than tier avg
95 of 380 Mid-Market CUs have this signature | 457 nationally
→ Stable (93→95 CUs) +2 CUs YoY | Rank improving

Concerns (4)

Indirect Auto Dependency

risk
#20 of 202 • Bottom 3.1% in tier

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

Why This Signature
Asset Growth (YoY): 8.17%
(Tier: 5.36%, National: 3.04%)
but better than tier avg
Indirect Auto %: 47.05%
(Tier: 18.77%, National: 7.90%)
worse than tier avg
Member Growth (YoY): 4.63%
(Tier: 3.18%, National: 9.37%)
but better than tier avg
202 of 380 Mid-Market CUs have this signature | 768 nationally
↓ Shrinking -7 CUs YoY | Rank improving

Credit Risk Growth

risk
#69 of 161 • Bottom 12.2% in tier

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

Why This Signature
Loan Growth (YoY): 7.66%
(Tier: 6.14%, National: 36.38%)
but better than tier avg
Delinquency Change (YoY): 0.12% points
(Tier: 0.07% points, National: 0.07% points)
worse than tier avg
161 of 380 Mid-Market CUs have this signature | 646 nationally
↓ Shrinking -30 CUs YoY | Rank improving

Credit Quality Pressure

risk
#112 of 217 • Bottom 14.5% in tier

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

Why This Signature
Delinquency Change (YoY): 0.12% points
(Tier: 0.07% points, National: 0.07% points)
worse than tier avg
217 of 380 Mid-Market CUs have this signature | 1002 nationally
↓ Shrinking -70 CUs YoY | Rank improving

Liquidity Strain

risk
#93 of 183 • Bottom 17.6% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature
Loan-to-Share Ratio: 95.26%
(Tier: 86.32%, National: 67.96%)
but better than tier avg
Loan Growth (YoY): 7.66%
(Tier: 6.14%, National: 36.38%)
but better than tier avg
183 of 380 Mid-Market CUs have this signature | 484 nationally
↑ Growing +10 CUs YoY | Rank improving

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 76 peers in tier

Top Strengths (7 metrics)

2
Efficiency Ratio
profitability
Value: 54.25%
Peer Avg: -
#2 of 76 Top 1.3% in 3B-5B tier
2
Total Assets
balance_sheet
Value: $4.97B
Peer Avg: -
#2 of 76 Top 1.3% in 3B-5B tier
2
Total Deposits
balance_sheet
Value: $4.28B
Peer Avg: -
#2 of 76 Top 1.3% in 3B-5B tier
3
Return on Assets (ROA)
profitability
Value: 1.60%
Peer Avg: -
#3 of 76 Top 2.6% in 3B-5B tier
4
Total Loans
balance_sheet
Value: $4.08B
Peer Avg: -
#4 of 76 Top 3.9% in 3B-5B tier
12
Total Members
engagement
Value: 298,362
Peer Avg: -
#12 of 76 Top 14.5% in 3B-5B tier
13
First Mortgage Concentration (%)
balance_sheet
Value: 18.93%
Peer Avg: -
#13 of 76 Top 15.8% in 3B-5B tier

Top Weaknesses (1 metrics)

72
Indirect Auto Concentration (%)
balance_sheet
Value: 47.05%
Peer Avg: -
#72 of 76 Bottom 6.6% in 3B-5B tier
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