| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.4% | +1.3% | -2.7 pts |
| Share growth (YoY) | -2.0% | +0.7% | -2.6 pts |
| Loan growth (YoY) | +20.2% | -2.4% | +22.5 pts |
| ROA | 1.18% | 0.60% | +0.6 pts |
| ROE | 5.6% | 4.1% | +1.5 pts |
ROA ranks in the 76th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $3.7M | $2.9M | $1.4M | $785K | $11K | 1.18% | 5.20% | 0.99% | 486 |
| Q4 2025 | $3.8M | $3.0M | $1.5M | $774K | $-7K | -0.17% | 4.81% | 0.92% | 484 |
| Q3 2025 | $3.9M | $3.1M | $1.4M | $787K | $6K | 0.21% | 4.82% | 1.28% | 476 |
| Q2 2025 | $3.8M | $3.0M | $1.3M | $784K | $4K | 0.21% | 4.83% | 5.80% | 474 |
| Q1 2025 | $3.8M | $3.0M | $1.2M | $779K | $-2K | -0.18% | 4.70% | 6.17% | 470 |
| Q4 2024 | $3.7M | $2.9M | $1.2M | $781K | $61K | 1.64% | 5.25% | 3.18% | 471 |
| Q3 2024 | $3.8M | $3.1M | $1.1M | $772K | $89K | 3.07% | 6.85% | 0.00% | 466 |
| Q2 2024 | $3.7M | $3.0M | $1.2M | $761K | $41K | 2.21% | 5.32% | 1.99% | 475 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.18% | 0.60% | 76th | |
Return on equity Annualized net income ÷ equity or net worth | 5.6% | 4.1% | 61st | |
Net interest margin Interest income − interest expense, ÷ assets | 5.20% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $1.4M · securities $1.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 96.7% | 81.5% | 81st |
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.
3 branches in 2 counties across 2 states (+0 vs 2024). Biggest market: Bradley, TN, ranked 19th with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Bradley, TN | 2 | $2.0M* | 0.08% | 19th |
| Waukesha, WI | 1 | $1.0M* | 0.00% | 57th |
Tennessee: 294th with 0.00% · Wisconsin: 316th with 0.00% · Cleveland metro: 22nd, 0.07% · Milwaukee-Waukesha metro: 80th, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 3 · 2023 3 · 2024 3 · 2025 3