KNOXVILLE TVA EMPLOYEES

Charter #68085 | TN

3B-5B (76 CUs) Mid-Market (380 CUs)
3 3B-5B in TN

KNOXVILLE TVA EMPLOYEES has 9 strengths but faces 5 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Organic Growth Engine: Top 8.2% in tier
  • + Wallet Share Momentum: Top 23.8% in tier
  • + Relationship Depth Leader: Top 24.1% 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
  • - Growth-at-Risk: 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
 Top 15.8% in tier
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
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
 51st in tier
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
 30th in tier
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
 60th in tier
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
 46th in tier
CD Concentration 33.2%
-2.4% YoY+2.8% QoQ
 +4.2% 29.0%
+0.8% YoY
 22.3%
+6.6% YoY
 19.6%
+6.2% YoY
 70th in tier
Indirect Auto % 47.1%
+0.8% YoY+1.3% QoQ
 +28.3% 18.8%
-2.8% YoY
 6.9%
+1.1% YoY
 7.9%
-2.9% YoY
 Top 6.3% in tier

Signature Analysis

Strengths (3)

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: 18.80%, 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

Wallet Share Momentum

growth
#173 of 264 • Top 23.8% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 3.23%
(Tier: 3.04%, National: 4.19%)
better than tier avg
264 of 380 Mid-Market CUs have this signature | 1330 nationally
↑ Growing +60 CUs YoY | Rank worsening

Relationship Depth Leader

growth
#175 of 264 • Top 24.1% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 3.23%
(Tier: 3.04%, National: 4.19%)
better than tier avg
Share Draft per Member: $2.9K
(Tier: $3.1K, National: $2.0K)
but worse than tier avg
264 of 380 Mid-Market CUs have this signature | 1330 nationally
↑ Growing +60 CUs YoY | Rank worsening

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: 18.80%, 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

Growth-at-Risk

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: 86.35%, 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: 71.26%
#2 of 76 Top 1.3% in 3B-5B tier
2
Total Assets
balance_sheet
Value: $4.97B
Peer Avg: $3.97B
#2 of 76 Top 1.3% in 3B-5B tier
2
Total Deposits
balance_sheet
Value: $4.28B
Peer Avg: $3.33B
#2 of 76 Top 1.3% in 3B-5B tier
3
Return on Assets (ROA)
profitability
Value: 1.60%
Peer Avg: 0.75%
#3 of 76 Top 2.6% in 3B-5B tier
4
Total Loans
balance_sheet
Value: $4.08B
Peer Avg: $3.02B
#4 of 76 Top 3.9% in 3B-5B tier
12
Total Members
engagement
Value: 298,362
Peer Avg: 238,466
#12 of 76 Top 14.5% in 3B-5B tier
13
First Mortgage Concentration (%)
balance_sheet
Value: 18.93%
Peer Avg: 34.35%
#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: 20.57%
#72 of 76 Bottom 6.6% in 3B-5B tier