| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -3.9% | +1.3% | -5.2 pts |
| Share growth (YoY) | -4.5% | +0.9% | -5.4 pts |
| Loan growth (YoY) | -10.9% | -2.6% | -8.3 pts |
| ROA | 0.21% | 0.65% | -0.4 pts |
| ROE | 0.9% | 4.4% | -3.5 pts |
ROA ranks in the 28th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $25.5M | $19.7M | $13.3M | $5.7M | $27K | 0.21% | 3.13% | 2.22% | 1,272 |
| Q1 2026 | $26.0M | $20.2M | $13.4M | $5.7M | $25K | 0.39% | 3.25% | 2.39% | 1,492 |
| Q4 2025 | $26.1M | $20.2M | $14.2M | $5.7M | $28K | 0.11% | 3.16% | 2.05% | 1,563 |
| Q3 2025 | $26.1M | $20.2M | $14.5M | $5.8M | $58K | 0.30% | 3.16% | 2.13% | 1,728 |
| Q2 2025 | $26.5M | $20.6M | $14.9M | $5.8M | $49K | 0.37% | 3.13% | 1.90% | 1,719 |
| Q1 2025 | $26.4M | $20.5M | $14.9M | $5.7M | $29K | 0.45% | 3.12% | 1.24% | 1,976 |
| Q4 2024 | $26.2M | $20.3M | $15.6M | $5.7M | $111K | 0.43% | 3.12% | 0.65% | 2,120 |
| Q3 2024 | $25.9M | $20.1M | $16.2M | $5.7M | $95K | 0.49% | 3.12% | 2.80% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.21% | 0.65% | 28th | |
Return on equity Annualized net income ÷ equity or net worth | 0.9% | 4.4% | 24th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.13% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 2,124 |
| Q2 2024 | $25.9M | $20.0M | $16.4M | $5.7M | $53K | 0.41% | 3.04% | 1.14% | 2,113 |
Loan mix (Q2 2026): real estate $6.1M · commercial $0 · consumer $6.6M · securities $10.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 91.2% | 80.6% | 74th |
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 (+2 vs 2025). Biggest market: Hamilton, TN, ranked 36th with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Hamilton, TN | 2 | $13.1M* | 0.09% | 36th |
| Genesee, MI | 1 | $6.6M* | 0.07% | 25th |
Tennessee: 274th with 0.00% · Michigan: 293rd with 0.00% · Chattanooga metro: 45th, 0.07% · Flint metro: 25th, 0.07% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 3