| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -5.1% | +1.3% | -6.4 pts |
| Share growth (YoY) | -7.9% | +0.9% | -8.9 pts |
| Loan growth (YoY) | +5.7% | -2.6% | +8.3 pts |
| ROA | 1.77% | 0.65% | +1.1 pts |
| ROE | 9.3% | 4.4% | +5.0 pts |
ROA ranks in the 91st percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $4.5M | $3.7M | $3.2M | $857K | $40K | 1.77% | 4.96% | 0.00% | 859 |
| Q1 2026 | $4.4M | $3.6M | $3.2M | $842K | $25K | 2.26% | 4.97% | 1.11% | 866 |
| Q4 2025 | $4.5M | $3.6M | $3.0M | $819K | $86K | 1.93% | 5.45% | 0.19% | 852 |
| Q3 2025 | $5.1M | $4.2M | $3.1M | $847K | $182K | 4.81% | 6.26% | 0.76% | 856 |
| Q2 2025 | $4.8M | $4.0M | $3.0M | $784K | $80K | 3.37% | 5.90% | 1.00% | 880 |
| Q1 2025 | $4.7M | $4.0M | $2.8M | $746K | $13K | 1.10% | 5.75% | 0.45% | 909 |
| Q4 2024 | $4.7M | $4.0M | $2.6M | $733K | $115K | 2.43% | 5.21% | 1.05% | 1,000 |
| Q3 2024 | $4.6M | $3.8M | $2.6M | $703K | $97K | 2.82% | 5.33% | 0.00% | 1,053 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.77% | 0.65% | 91st | |
Return on equity Annualized net income ÷ equity or net worth | 9.3% | 4.4% | 83rd | |
Net interest margin Interest income − interest expense, ÷ assets | 4.96% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 | $4.6M | $3.9M | $2.6M | $680K | $70K | 3.07% | 5.50% | 0.00% | 1,058 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $2.6M · securities $1.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 48.7% | 80.6% | 4th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.
1 branches in 1 county across 1 state (+0 vs 2025). Biggest market: Blount, TN, ranked 23rd with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Blount, TN | 1 | $3.7M* | 0.08% | 23rd |
Tennessee: 297th with 0.00% · Knoxville metro: 66th, 0.01% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1