| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.7% | +4.1% | -0.4 pts |
| Share growth (YoY) | +3.6% | +3.5% | +0.0 pts |
| Loan growth (YoY) | -1.2% | +2.9% | -4.0 pts |
| ROA | 0.51% | 0.74% | -0.2 pts |
| ROE | 4.5% | 6.5% | -2.0 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 | $429.7M | $379.7M | $96.7M | $49.1M | $1.1M | 0.51% | 2.03% | 0.41% | 17,379 |
| Q1 2026 | $429.5M | $380.1M | $96.5M | $48.5M | $535K | 0.50% | 2.00% | 0.10% | 17,550 |
| Q4 2025 | $421.5M | $372.6M | $96.5M | $47.3M | $2.0M | 0.48% | 1.88% | 0.13% | 17,785 |
| Q3 2025 | $414.0M | $365.5M | $97.2M | $46.9M | $1.6M | 0.51% | 1.87% | 0.09% | 18,121 |
| Q2 2025 | $414.4M | $366.7M | $97.8M | $46.4M | $1.0M | 0.50% | 1.85% | 0.17% | 18,432 |
| Q1 2025 | $413.8M | $366.6M | $95.3M | $45.8M | $425K | 0.41% | 1.80% | 0.11% | 18,622 |
| Q4 2024 | $408.6M | $361.7M | $94.3M | $45.3M | $238K | 0.06% | 1.38% | 0.24% | 18,829 |
| Q3 2024 | $407.4M | $360.6M | $95.8M | $45.3M | $146K | 0.05% | 1.34% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.51% | 0.74% | 31st | |
Return on equity Annualized net income ÷ equity or net worth | 4.5% | 6.5% | 32nd | |
Net interest margin Interest income − interest expense, ÷ assets | 2.03% | 3.67% |
Peer lists, growth filters, CSV export, CRM push.
| 0.19% |
| 19,168 |
| Q2 2024 | $411.9M | $365.2M | $96.7M | $45.1M | $24K | 0.01% | 1.29% | 0.15% | 19,470 |
Loan mix (Q2 2026): real estate $60.7M · commercial $427K · consumer $34.0M · securities $278.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 78.6% | 77.5% | 53rd |
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.
6 branches in 4 counties across 3 states (+0 vs 2025). Biggest market: Hamilton, TN, ranked 13th with 1.3% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Hamilton, TN | 3 | $189.9M* | 1.27% | 13th |
| Murray, GA | 1 | $63.3M* | 10.04% | 5th |
| Capitol, CT | 1 | $63.3M* | 0.11% | 38th |
| 1 more county with Pro → | ||||
Tennessee: 148th with 0.06% · Georgia: 179th with 0.03% · Connecticut: 79th with 0.03% · Chattanooga metro: 15th, 1.34% · Hartford-West Hartford-East Hartford metro: 40th, 0.10% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 6 · 2023 6 · 2024 6 · 2025 6 · 2026 6