KOIN
Charter #68172 | TN
<100M
(2596 CUs)
Micro
($0-$500M)
88 <100M in TN
KOIN has 5 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Strong member growth: 9.3% YoY
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Member Growth Rate: Top 3.6% in tier
- + Average Member Relationship (AMR): Top 6.3% in tier
- + Loan-to-Member Ratio (LMR): Top 6.5% in tier
Key Concerns
Areas that may need attention
- - ROA 1.39% below tier average
- - Efficiency ratio 30.39% above tier (higher cost structure)
- - AMR Growth Rate: Bottom 4.7% in tier
- - Net Worth Ratio: Bottom 6.8% in tier
- - First Mortgage Concentration (%): Bottom 9.9% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,097
+9.3% YoY+0.6% QoQ
|
-528 |
2,625
-2.2% YoY
|
21,139
+4.9% YoY
|
33,089
+6.1% YoY
|
53rd in tier |
| Assets |
$36.9M
-4.7% YoY+2.0% QoQ
|
+$7.1M |
$29.9M
+1.1% YoY
|
$362.5M
+9.5% YoY
|
$547.7M
+7.8% YoY
|
67th in tier |
| Loans |
$22.4M
-6.8% YoY-2.0% QoQ
|
+$6.6M |
$15.8M
-2.4% YoY
|
$271.1M
+9.1% YoY
|
$388.7M
+8.6% YoY
|
74th in tier |
| Deposits |
$33.8M
-4.5% YoY+2.3% QoQ
|
+$8.3M |
$25.5M
+0.4% YoY
|
$303.0M
+8.7% YoY
|
$464.6M
+9.3% YoY
|
69th in tier |
| ROA |
-0.7%
+15.0% YoY-21.8% QoQ
|
-1.4% |
0.7%
-731.4% YoY
|
0.8%
+4.1% YoY
|
0.7%
+273.4% YoY
|
Bottom 7.1% in tier |
| NIM |
3.5%
+18.9% YoY+2.2% QoQ
|
-0.5% |
3.9%
+3.8% YoY
|
3.8%
+5.1% YoY
|
3.7%
+5.0% YoY
|
33rd in tier |
| Efficiency Ratio |
111.8%
-3.3% YoY-4.4% QoQ
|
+30.4% |
81.4%
-2.4% YoY
|
75.4%
-1.8% YoY
|
79.1%
-3.3% YoY
|
Top 5.9% in tier |
| Delinquency Rate |
0.5%
-77.5% YoY-78.7% QoQ
|
-1.0 |
1.5%
-2.0% YoY
|
1.1%
+8.5% YoY
|
1.2%
-0.9% YoY
|
41st in tier |
| Loan To Share |
66.3%
-2.5% YoY-4.2% QoQ
|
+5.1% |
61.2%
-3.0% YoY
|
70.4%
-2.4% YoY
|
68.0%
-1.7% YoY
|
57th in tier |
| AMR |
$26,786
-13.5% YoY-0.1% QoQ
|
+$12K |
$14,627
-2.7% YoY
|
$18,470
+2.4% YoY
|
$19,418
+1.3% YoY
|
Top 6.4% in tier |
| CD Concentration |
26.2%
+4.6% YoY+3.7% QoQ
|
+1.8% |
24.4%
+4.2% YoY
|
22.3%
+6.6% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
6.9%
+1.1% YoY
|
7.9%
-2.9% YoY
|
50th in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
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)
Top Strengths (4 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
95
Member Growth Rate
growth
Value:
9.33%
Peer Avg: 14.92%
#95 of 2596
Top 3.6% in <100M tier
165
Average Member Relationship (AMR)
engagement
Value:
$26,786
Peer Avg: $14,627
#165 of 2596
Top 6.3% in <100M tier
169
Loan-to-Member Ratio (LMR)
engagement
Value:
$10,678
Peer Avg: $5,488
#169 of 2596
Top 6.5% in <100M tier
Top Weaknesses (8 metrics)
2476
AMR Growth Rate
growth
Value:
-13.49%
Peer Avg: 4.67%
#2476 of 2596
Bottom 4.7% in <100M tier
2444
Efficiency Ratio
profitability
Value:
111.79%
Peer Avg: 81.39%
#2444 of 2596
Bottom 5.9% in <100M tier
2421
Net Worth Ratio
risk
Value:
8.52%
Peer Avg: 16.43%
#2421 of 2596
Bottom 6.8% in <100M tier
2411
Return on Assets (ROA)
profitability
Value:
-0.70%
Peer Avg: 0.68%
#2411 of 2596
Bottom 7.2% in <100M tier
2340
First Mortgage Concentration (%)
balance_sheet
Value:
45.02%
Peer Avg: 14.49%
#2340 of 2596
Bottom 9.9% in <100M tier
2208
Asset Growth Rate
growth
Value:
-4.68%
Peer Avg: 1.82%
#2208 of 2596
Bottom 15.0% in <100M tier
2087
Deposit Growth Rate
growth
Value:
-4.45%
Peer Avg: 16.80%
#2087 of 2596
Bottom 19.6% in <100M tier
2013
Share Certificate Concentration (%)
balance_sheet
Value:
26.20%
Peer Avg: 15.37%
#2013 of 2596
Bottom 22.5% in <100M tier