BlastPoint's Credit Union Scorecard
HAPPY VALLEY
Charter #68097 · TN
HAPPY VALLEY faces 3 concerns requiring attention
Key Strengths
Areas where this CU excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - ROA 0.20% below tier average
- - Efficiency ratio 5.52% above tier (higher cost structure)
- - Member decline: -2.6% YoY
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,228
-2.6% YoY-0.6% QoQ
|
+612 |
2,615
-1.9% YoY
|
21,265
+4.5% YoY
|
33,374
+5.7% YoY
|
70% |
| Assets |
$36.6M
-0.8% YoY+1.8% QoQ
|
+$6.4M |
$30.1M
+2.1% YoY
|
$372.5M
+10.3% YoY
|
$561.6M
+9.7% YoY
|
66% |
| Loans |
$9.6M
+5.6% YoY+2.2% QoQ
|
$-6.2M |
$15.8M
-1.3% YoY
|
$275.7M
+8.6% YoY
|
$397.0M
+8.8% YoY
|
50% |
| Deposits |
$29.8M
-3.1% YoY+0.8% QoQ
|
+$4.1M |
$25.7M
+1.4% YoY
|
$312.1M
+9.5% YoY
|
$477.3M
+9.7% YoY
|
65% |
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| ROA |
0.4%
-59.9% YoY+149.2% QoQ
|
-0.2% |
0.6%
+10.8% YoY
|
0.7%
-5.8% YoY
|
0.7%
+15.9% YoY
|
36% |
| NIM |
3.3%
+9.3% YoY+3.5% QoQ
|
-0.6% |
4.0%
+4.0% YoY
|
3.8%
+3.7% YoY
|
3.8%
+5.1% YoY
|
28% |
| Efficiency Ratio |
88.1%
+29.6% YoY-6.2% QoQ
|
+5.5% |
82.6%
-2.3% YoY
|
79.4%
+2.9% YoY
|
79.7%
-3.3% YoY
|
71% |
| Delinquency Rate |
0.3%
+106.3% YoY-3.7% QoQ
|
-1.2 |
1.6%
-3.1% YoY
|
1.1%
-12.6% YoY
|
1.3%
-2.1% YoY
|
32% |
| Loan To Share |
32.1%
+8.9% YoY+1.4% QoQ
|
-28.5% |
60.6%
-3.1% YoY
|
70.0%
-2.2% YoY
|
67.4%
-1.7% YoY
|
Bottom 11.9% in tier |
| AMR |
$12,183
+1.6% YoY+1.7% QoQ
|
$-3K |
$14,783
-1.4% YoY
|
$18,770
+3.9% YoY
|
$19,687
+2.0% YoY
|
40% |
| CD Concentration |
11.9%
-14.5% YoY-5.9% QoQ
|
-12.5% | 24.4% | 22.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 6.7% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)