BlastPoint's Credit Union Scorecard
KNOXVILLE TVA EMPLOYEES
Charter #68085 · TN
KNOXVILLE TVA EMPLOYEES has 6 strengths but faces 5 concerns
How does the industry compare?
What's your peer group doing?
How does TN stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Emerging Performer: Top 0.0% in tier
- + Organic Growth Engine: Top 15.1% in tier
- + ROA 0.82% above tier average
- + Net Interest Margin 0.22% above tier average
- + Strong member growth: 5.7% YoY
- + First Mortgage Concentration (%): Top 8.6% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 2.9% in tier
- - Credit Risk Growth: Bottom 23.3% in tier
- - Credit Quality Pressure: Bottom 27.8% in tier
- - Liquidity Strain: Bottom 46.9% in tier
- - Indirect Auto Concentration (%): Bottom 2.9% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
303,836
+5.7% YoY+1.8% QoQ
|
+11.5K |
292,342
-2.4% YoY
|
21,265
+4.5% YoY
|
33,374
+5.7% YoY
|
51% |
| Assets |
$5.1B
+11.2% YoY+3.3% QoQ
|
$-609.2M |
$5.7B
-0.2% YoY
|
$372.5M
+10.3% YoY
|
$561.6M
+9.7% YoY
|
17% |
| Loans |
$4.2B
+7.2% YoY+2.1% QoQ
|
+$1.9M |
$4.2B
-1.6% YoY
|
$275.7M
+8.6% YoY
|
$397.0M
+8.8% YoY
|
43% |
| Deposits |
$4.4B
+11.5% YoY+3.3% QoQ
|
$-423.0M |
$4.8B
+0.4% YoY
|
$312.1M
+9.5% YoY
|
$477.3M
+9.7% YoY
|
Bottom 14.3% 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%
+16.9% YoY+2.7% QoQ
|
+0.8% |
0.8%
+27.9% YoY
|
0.7%
-5.8% YoY
|
0.7%
+15.9% YoY
|
Top 11.4% in tier |
| NIM |
3.3%
+9.7% YoY+0.3% QoQ
|
+0.2% |
3.0%
+8.0% YoY
|
3.8%
+3.7% YoY
|
3.8%
+5.1% YoY
|
66% |
| Efficiency Ratio |
53.3%
-8.5% YoY-1.8% QoQ
|
-14.0% |
67.3%
-3.7% YoY
|
79.4%
+2.9% YoY
|
79.7%
-3.3% YoY
|
Bottom 11.4% in tier |
| Delinquency Rate |
0.5%
+36.6% YoY+19.1% QoQ
|
-0.3 |
0.8%
+17.5% YoY
|
1.1%
-12.6% YoY
|
1.3%
-2.1% YoY
|
31% |
| Loan To Share |
94.2%
-3.8% YoY-1.1% QoQ
|
+8.3% |
85.9%
-2.6% YoY
|
70.0%
-2.2% YoY
|
67.4%
-1.7% YoY
|
71% |
| AMR |
$28,277
+3.5% YoY+0.9% QoQ
|
$-6K |
$34,289
+3.5% YoY
|
$18,770
+3.9% YoY
|
$19,687
+2.0% YoY
|
34% |
| CD Concentration |
33.8%
+6.5% YoY+1.9% QoQ
|
+4.7% | 29.1% | 22.4% | 19.8% | 69% |
| Indirect Auto % |
47.2%
+1.6% YoY+0.3% QoQ
|
+30.1% | 17.1% | 6.7% | 7.8% | Top 1.5% in tier |
Signature Analysis
Strengths (2)
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (4)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
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)