BlastPoint's Credit Union Scorecard
KNOXVILLE TVA EMPLOYEES
Charter #68085 · TN
KNOXVILLE TVA EMPLOYEES has 5 strengths but faces 6 concerns
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How does TN stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Emerging Performer: Top 62.1% in tier
- + Net Interest Margin 0.19% above tier average
- + Strong member growth: 6.5% YoY
- + Efficiency Ratio: Top 8.1% in tier
- + First Mortgage Concentration (%): Top 8.1% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 18.8% in tier
- - Liquidity Strain: Bottom 25.8% in tier
- - Credit Risk Growth: Bottom 34.4% in tier
- - Credit Quality Pressure: Bottom 56.2% in tier
- - ROA 0.17% below tier average
- - Indirect Auto Concentration (%): Bottom 2.7% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
308,760
+6.5% YoY+1.6% QoQ
|
+966 |
307,793
+7.6% YoY
|
21,412
+3.7% YoY
|
33,913
+5.7% YoY
|
51% |
| Assets |
$5.2B
+10.2% YoY+1.9% QoQ
|
$-536.8M |
$5.8B
-0.2% YoY
|
$379.6M
+8.7% YoY
|
$578.3M
+9.0% YoY
|
19% |
| Loans |
$4.2B
+6.1% YoY+0.9% QoQ
|
+$51.7M |
$4.2B
+0.4% YoY
|
$279.0M
+7.7% YoY
|
$402.4M
+8.7% YoY
|
46% |
| Deposits |
$4.5B
+10.4% YoY+2.1% QoQ
|
$-378.7M |
$4.9B
+0.2% YoY
|
$319.1M
+8.0% YoY
|
$494.3M
+9.1% YoY
|
22% |
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| ROA |
0.7%
-60.6% YoY-57.9% QoQ
|
-0.2% |
0.9%
+47.0% YoY
|
0.6%
-5.0% YoY
|
0.4%
-39.2% YoY
|
46% |
| NIM |
3.3%
+2.9% YoY+2.6% QoQ
|
+0.2% |
3.2%
+9.8% YoY
|
3.9%
+5.1% YoY
|
3.8%
+4.1% YoY
|
54% |
| Efficiency Ratio |
52.5%
-1.9% YoY-1.5% QoQ
|
-14.1% |
66.6%
-11.0% YoY
|
79.6%
+1.7% YoY
|
84.6%
+2.8% YoY
|
Top 8.1% in tier |
| Delinquency Rate |
0.3%
+3.6% YoY-36.9% QoQ
|
-0.4 |
0.7%
+23.3% YoY
|
0.9%
-14.5% YoY
|
1.2%
+3.4% YoY
|
Top 13.5% in tier |
| Loan To Share |
93.1%
-3.9% YoY-1.1% QoQ
|
+8.4% |
84.7%
-0.7% YoY
|
68.3%
-1.5% YoY
|
65.6%
-1.4% YoY
|
76% |
| AMR |
$28,253
+1.7% YoY-0.1% QoQ
|
$-4K |
$32,237
-7.3% YoY
|
$18,957
+3.0% YoY
|
$19,920
+1.6% YoY
|
38% |
| CD Concentration |
33.2%
+5.1% YoY-1.9% QoQ
|
+4.6% | 28.6% | 22.3% | 19.8% | 68% |
| Indirect Auto % |
47.0%
+0.9% YoY-0.4% QoQ
|
+30.7% | 16.4% | 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 (4)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
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.
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)