BlastPoint's Credit Union Scorecard
SHAWNEE TVA EMPLOYEES
Charter #9497 · KY
SHAWNEE TVA EMPLOYEES has 7 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.93% above tier average
- + Total Delinquency Rate (60+ days): Top 0.0% in tier
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + AMR Growth Rate: Top 0.4% in tier
- + Deposit Growth Rate: Top 4.9% in tier
- + Asset Growth Rate: Top 6.0% in tier
- + Net Charge-Off Rate: Top 8.1% in tier
Key Concerns
Areas that may need attention
- - Member decline: -37.5% YoY
- - Member Growth Rate: Bottom 0.7% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
599
-37.5% YoY-37.5% QoQ
|
-2.0K |
2,615
-1.9% YoY
|
18,352
+6.1% YoY
|
33,374
+5.7% YoY
|
16% |
| Assets |
$6.6M
+11.9% YoY+5.2% QoQ
|
$-23.6M |
$30.1M
+2.1% YoY
|
$297.6M
+11.0% YoY
|
$561.6M
+9.7% YoY
|
24% |
| Loans |
$3.5M
+6.4% YoY-0.1% QoQ
|
$-12.2M |
$15.8M
-1.3% YoY
|
$214.0M
+12.0% YoY
|
$397.0M
+8.8% YoY
|
26% |
| Deposits |
$5.1M
+13.6% YoY+6.6% QoQ
|
$-20.6M |
$25.7M
+1.4% YoY
|
$249.6M
+10.9% YoY
|
$477.3M
+9.7% YoY
|
24% |
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| ROA |
1.6%
-18.7% YoY-11.5% QoQ
|
+0.9% |
0.6%
+10.8% YoY
|
0.3%
-193.7% YoY
|
0.7%
+15.9% YoY
|
Top 14.7% in tier |
| NIM |
3.9%
-10.5% YoY-4.4% QoQ
|
-0.0% |
4.0%
+4.0% YoY
|
3.7%
-0.4% YoY
|
3.8%
+5.1% YoY
|
50% |
| Efficiency Ratio |
60.7%
+6.8% YoY+5.4% QoQ
|
-21.9% |
82.6%
-2.3% YoY
|
85.5%
-17.8% YoY
|
79.7%
-3.3% YoY
|
Bottom 12.4% in tier |
| Delinquency Rate | 0.0% | -1.6 |
1.6%
-3.1% YoY
|
1.1%
-5.8% YoY
|
1.3%
-2.1% YoY
|
Bottom 0.0% in tier |
| Loan To Share |
68.7%
-6.3% YoY-6.2% QoQ
|
+8.1% |
60.6%
-3.1% YoY
|
65.9%
-3.9% YoY
|
67.4%
-1.7% YoY
|
62% |
| AMR |
$14,411
+76.9% YoY+66.1% QoQ
|
$-372 |
$14,783
-1.4% YoY
|
$17,204
+6.4% YoY
|
$19,687
+2.0% YoY
|
53% |
| CD Concentration |
20.4%
+114.5% YoY+23.6% QoQ
|
-4.0% | 24.4% | 22.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 7.7% | 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)