| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.0% | +1.3% | -1.3 pts |
| Share growth (YoY) | -0.5% | +0.9% | -1.4 pts |
| Loan growth (YoY) | -4.0% | -2.6% | -1.4 pts |
| ROA | 1.16% | 0.65% | +0.5 pts |
| ROE | 8.9% | 4.4% | +4.5 pts |
ROA ranks in the 74th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $85.3M | $73.5M | $56.8M | $11.2M | $496K | 1.16% | 5.14% | 0.59% | 8,952 |
| Q1 2026 | $85.7M | $73.7M | $56.6M | $11.0M | $319K | 1.49% | 5.19% | 0.19% | 9,082 |
| Q4 2025 | $83.6M | $71.7M | $58.3M | $10.7M | $646K | 0.77% | 5.18% | 0.61% | 9,520 |
| Q3 2025 | $83.6M | $72.3M | $59.0M | $10.7M | $515K | 0.82% | 5.16% | 0.50% | 9,946 |
| Q2 2025 | $85.3M | $73.8M | $59.2M | $10.5M | $311K | 0.73% | 4.99% | 0.62% | 10,041 |
| Q1 2025 | $87.4M | $76.2M | $57.1M | $10.3M | $122K | 0.56% | 4.81% | 0.40% | 9,999 |
| Q4 2024 | $83.9M | $73.1M | $58.1M | $10.2M | $431K | 0.51% | 4.99% | 1.05% | 9,948 |
| Q3 2024 | $82.6M | $71.0M | $59.4M | $10.3M | $295K | 0.48% | 5.07% | 1.17% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.16% | 0.65% | 74th | |
Return on equity Annualized net income ÷ equity or net worth | 8.9% | 4.4% | 80th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.14% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 9,915 |
| Q2 2024 | $84.7M | $73.1M | $58.6M | $10.3M | $344K | 0.81% | 4.92% | 0.97% | 9,853 |
Loan mix (Q2 2026): real estate $15.1M · commercial $0 · consumer $39.6M · securities $10.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 82.1% | 80.6% | 54th |
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.
5 branches in 2 counties across 1 state (-2 vs 2025). Biggest market: Robertson, TN, ranked 8th with 3.7% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Robertson, TN | 4 | $58.8M* | 3.72% | 8th |
| Cheatham, TN | 1 | $14.7M* | 1.84% | 6th |
Tennessee: 204th with 0.03% · Nashville-Davidson--Murfreesboro--Franklin metro: 68th, 0.06% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 7 · 2023 7 · 2024 7 · 2025 7 · 2026 5