| Metric | Appliance Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +16.1% | +1.3% | +14.8 pts |
| Share growth (YoY) | +20.3% | +0.9% | +19.4 pts |
| Loan growth (YoY) | -11.8% | -2.6% | -9.2 pts |
| ROA | 0.29% | 0.65% | -0.4 pts |
| ROE | 3.1% | 4.4% | -1.3 pts |
ROA ranks in the 31st percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $18.7M | $16.7M | $5.0M | $1.8M | $27K | 0.29% | 3.29% | 1.17% | 1,950 |
| Q1 2026 | $17.2M | $15.3M | $4.9M | $1.8M | $6K | 0.15% | 3.39% | 0.57% | 1,963 |
| Q4 2025 | $15.9M | $14.1M | $5.0M | $1.8M | $11K | 0.07% | 3.41% | 0.66% | 1,980 |
| Q3 2025 | $16.6M | $14.1M | $5.4M | $1.8M | $-3K | -0.02% | 3.27% | 0.59% | 1,995 |
| Q2 2025 | $16.1M | $13.9M | $5.6M | $1.7M | $-24K | -0.29% | 3.31% | 0.04% | 1,998 |
| Q1 2025 | $16.4M | $14.7M | $6.0M | $1.7M | $-47K | -1.15% | 3.14% | 0.92% | 2,006 |
| Q4 2024 | $15.6M | $13.8M | $6.3M | $1.8M | $-20K | -0.13% | 2.94% | 0.66% | 2,037 |
| Q3 2024 | $15.1M | $13.3M | $6.6M | $1.8M | $-25K | -0.22% | 2.96% | 0.75% |
| Ratio | Appliance Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.29% | 0.65% | 31st | |
Return on equity Annualized net income ÷ equity or net worth | 3.1% | 4.4% | 40th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.29% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 2,059 |
| Q2 2024 | $15.5M | $13.8M | $6.9M | $1.8M | $3K | 0.04% | 2.77% | 2.07% | 2,074 |
Loan mix (Q2 2026): real estate $353K · commercial $0 · consumer $4.0M · securities $9.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 85.1% | 80.6% | 61st |
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 | Appliance Credit Union | 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 | Appliance Credit Union | 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 | Appliance Credit Union | 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 | Appliance Credit Union | 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 | Appliance Credit Union | 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.
2 branches in 2 counties across 2 states (+1 vs 2025). Biggest market: Shelby, AL, ranked 37th with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Shelby, AL | 1 | $8.4M* | 0.13% | 37th |
| Bradley, TN | 1 | $8.4M* | 0.22% | 17th |
Tennessee: 284th with 0.00% · Alabama: 223rd with 0.00% · Cleveland metro: 19th, 0.20% · Birmingham metro: 84th, 0.01% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 2