Appliance Credit Union
Total assets
$17.2M
▲ +4.6% YoY
Shares & deposits
$15.3M
▲ +4.3% YoY
Loans
$4.9M
▼ -17.3% YoY
Members
1,963
▼ -2.1% YoY
ROA (annualized)
0.15%
peers 0.60%
ROE (annualized)
1.42%
peers 4.10%
Peer comparison 2,508 credit unions with <100M in assets
| Metric | Appliance Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.6% | +1.3% | +3.3 pts |
| Share growth (YoY) | +4.3% | +0.7% | +3.6 pts |
| Loan growth (YoY) | -17.3% | -2.4% | -14.9 pts |
| ROA | 0.15% | 0.60% | -0.5 pts |
| ROE | 1.4% | 4.1% | -2.7 pts |
ROA ranks in the 27th percentile of its peer group · Q1 2026
Profile
- Established
- 1972
- Charter
- FISCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 3
- Address
- P.O. Box 1057, Cleveland, TN, 37364
- NCUA charter #
- 67976
- RSSD ID
- 521390
- Latest call report
- Q1 2026
Total assets last 8 quarters
Members last 8 quarters
Quarterly financials NCUA 5300 call report
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| 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% | 2,059 |
| Q2 2024 | $15.5M | $13.8M | $6.9M | $1.8M | $3K | 0.04% | 2.77% | 2.07% | 2,074 |
Loan mix (Q1 2026): real estate $357K · commercial $0 · consumer $3.9M · securities $7.8M
Ratio pack Q1 2026 · peer medians from 2508 institutions
Profitability
| Ratio | Appliance Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.15% | 0.60% | 27th | |
Return on equity Annualized net income ÷ equity or net worth | 1.4% | 4.1% | 31th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.39% | 3.83% | 31th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 89.8% | 81.5% | 68th | |
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% |
Balance sheet
| 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% |
Capital
| 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% |
Credit quality
| 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% |
Franchise
| 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% |
12 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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