BlastPoint's Credit Union Scorecard
SHAWNEE TVA EMPLOYEES
Charter #9497 · KY
SHAWNEE TVA EMPLOYEES has 7 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.07% above tier average
- + Net Interest Margin 0.15% above tier average
- + Strong member growth: 56.4% YoY
- + Total Delinquency Rate (60+ days): Top 0.0% in tier
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Member Growth Rate: Top 0.4% in tier
- + Net Charge-Off Rate: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - AMR Growth Rate: Bottom 1.0% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
959
+56.4% YoY0% QoQ
|
-1.7K |
2,625
-2.2% YoY
|
18,350
+6.5% YoY
|
33,089
+6.1% YoY
|
28% |
| Assets |
$6.3M
+5.6% YoY+2.4% QoQ
|
$-23.6M |
$29.9M
+1.1% YoY
|
$291.9M
+10.4% YoY
|
$547.7M
+7.8% YoY
|
24% |
| Loans |
$3.5M
+5.4% YoY+1.7% QoQ
|
$-12.2M |
$15.8M
-2.4% YoY
|
$208.5M
+10.3% YoY
|
$388.7M
+8.6% YoY
|
27% |
| Deposits |
$4.8M
+4.7% YoY+2.9% QoQ
|
$-20.7M |
$25.5M
+0.4% YoY
|
$245.3M
+10.3% YoY
|
$464.6M
+9.3% YoY
|
23% |
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| ROA |
1.8%
+19.3% YoY-10.4% QoQ
|
+1.1% |
0.7%
-731.4% YoY
|
0.2%
-216.5% YoY
|
0.7%
+273.4% YoY
|
Top 13.4% in tier |
| NIM |
4.1%
+5.5% YoY-9.0% QoQ
|
+0.2% |
3.9%
+3.8% YoY
|
3.6%
+4.6% YoY
|
3.7%
+5.0% YoY
|
58% |
| Efficiency Ratio |
57.5%
-8.1% YoY+1.2% QoQ
|
-23.9% |
81.4%
-2.4% YoY
|
85.0%
-21.4% YoY
|
79.1%
-3.3% YoY
|
Bottom 11.4% in tier |
| Delinquency Rate | 0.0% | -1.5 |
1.5%
-2.0% YoY
|
0.8%
-26.3% YoY
|
1.2%
-0.9% YoY
|
Bottom 0.0% in tier |
| Loan To Share |
73.2%
+0.7% YoY-1.2% QoQ
|
+12.0% |
61.2%
-3.0% YoY
|
65.5%
-4.4% YoY
|
68.0%
-1.7% YoY
|
68% |
| AMR |
$8,677
-32.9% YoY+2.4% QoQ
|
$-6K |
$14,627
-2.7% YoY
|
$16,917
+3.2% YoY
|
$19,418
+1.3% YoY
|
22% |
| CD Concentration |
16.5%
+127.8% YoY+30.1% QoQ
|
-7.9% |
24.4%
+4.2% YoY
|
22.1%
-0.3% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
7.8%
-3.4% YoY
|
7.9%
-2.9% YoY
|
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)