BlastPoint's Credit Union Scorecard
KNOXVILLE TVA EMPLOYEES
Charter #68085 · TN
KNOXVILLE TVA EMPLOYEES has 3 strengths but faces 4 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 40.9% in tier
- + ROA 0.14% above tier average
- + Net Interest Margin 0.19% above tier average
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 18.8% in tier
- - Liquidity Strain: Bottom 33.3% in tier
- - Margin Compression: Bottom 40.9% in tier
- - Indirect Auto Concentration (%): Bottom 2.6% 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 39 credit unions with $5B-$7B in assets nationally, and 1 of 1 that size in Tennessee.
- Shares and deposits +10.0% year over year ($4.59B in shares and deposits).
- Membership: 308,932 members, +5.0% vs a year ago.
- Delinquency rate 0.34%.
- Return on assets 1.07%.
- Efficiency ratio 52.86% vs a 65.18% peer average.
- Loan-to-share ratio 94.01% vs a 85.64% 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 |
308,932
+5.0% YoY+0.1% QoQ
|
-2.0K |
310,918
+6.0% YoY
|
22,058
+4.8% YoY
|
34,678
+6.6% YoY
|
51% |
| Assets |
$5.3B
+9.8% YoY+1.7% QoQ
|
$-469.9M |
$5.8B
-1.1% YoY
|
$390.3M
+9.5% YoY
|
$593.1M
+10.2% YoY
|
26% |
| Loans |
$4.3B
+6.8% YoY+2.5% QoQ
|
+$111.4M |
$4.2B
-0.7% YoY
|
$289.3M
+8.5% YoY
|
$418.6M
+10.1% YoY
|
49% |
| Deposits |
$4.6B
+10.0% YoY+1.5% QoQ
|
$-308.9M |
$4.9B
-1.3% YoY
|
$326.4M
+8.9% YoY
|
$504.8M
+10.3% YoY
|
31% |
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 |
1.1%
-34.6% YoY+54.7% QoQ
|
+0.1% |
0.9%
+35.3% YoY
|
1.1%
+46.9% YoY
|
1.2%
+121.4% YoY
|
67% |
| NIM |
3.4%
+5.9% YoY+1.2% QoQ
|
+0.2% |
3.2%
+9.5% YoY
|
3.9%
+2.1% YoY
|
3.8%
+2.3% YoY
|
56% |
| Efficiency Ratio |
52.9%
-4.6% YoY+0.6% QoQ
|
-12.3% |
65.2%
-9.0% YoY
|
78.9%
+2.6% YoY
|
83.0%
-5.3% YoY
|
Top 10.3% in tier |
| Delinquency Rate |
0.3%
-13.3% YoY+1.8% QoQ
|
-0.4 |
0.8%
+23.8% YoY
|
1.1%
-1.7% YoY
|
1.3%
+2.6% YoY
|
Top 10.3% in tier |
| Loan To Share |
94.0%
-2.9% YoY+1.0% QoQ
|
+8.4% |
85.6%
-0.2% YoY
|
68.7%
-1.7% YoY
|
66.4%
-1.4% YoY
|
64% |
| AMR |
$28,801
+3.3% YoY+1.9% QoQ
|
$-3K |
$32,010
-7.3% YoY
|
$19,228
+3.5% YoY
|
$20,028
-0.9% YoY
|
41% |
| CD Concentration |
32.9%
+2.0% YoY-0.8% QoQ
|
+4.6% | 28.3% | 22.4% | 20.0% | 71% |
| Indirect Auto % |
47.4%
+2.0% YoY+0.7% QoQ
|
+30.6% | 16.8% | 6.8% | 7.7% | Bottom 1.5% in tier |
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 (3)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.
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)