| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.5% | +1.3% | -2.8 pts |
| Share growth (YoY) | -1.2% | +0.9% | -2.1 pts |
| Loan growth (YoY) | -27.7% | -2.6% | -25.1 pts |
| ROA | -0.59% | 0.65% | -1.2 pts |
| ROE | -2.8% | 4.4% | -7.2 pts |
ROA ranks in the 10th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $4.6M | $3.6M | $1.0M | $987K | $-14K | -0.59% | 2.79% | 0.00% | 253 |
| Q1 2026 | $4.7M | $3.7M | $1.1M | $991K | $-9K | -0.77% | 2.80% | 0.37% | 259 |
| Q4 2025 | $4.6M | $3.6M | $1.1M | $1.0M | $-10K | -0.21% | 3.10% | 0.44% | 262 |
| Q3 2025 | $4.6M | $3.5M | $1.3M | $1.0M | $11K | 0.31% | 3.14% | 2.63% | 275 |
| Q2 2025 | $4.7M | $3.7M | $1.4M | $1.0M | $6K | 0.25% | 3.11% | 1.29% | 271 |
| Q1 2025 | $5.2M | $4.2M | $1.4M | $1.0M | $152 | 0.01% | 2.81% | 1.30% | 286 |
| Q4 2024 | $5.1M | $4.1M | $1.6M | $1.0M | $16K | 0.32% | 2.78% | 4.19% | 280 |
| Q3 2024 | $5.1M | $4.1M | $1.8M | $1.0M | $34K | 0.88% | 3.01% | 3.18% | 289 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.59% | 0.65% | 10th | |
Return on equity Annualized net income ÷ equity or net worth | -2.8% | 4.4% | 12th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.79% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 | $5.2M | $4.2M | $1.9M | $1.0M | $22K | 0.84% | 2.84% | 2.91% | 295 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $915K · securities $3.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 106.3% | 80.6% | 90th |
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.
1 branches in 1 county across 1 state (+0 vs 2025). Biggest market: Shelby, TN, ranked 67th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Shelby, TN | 1 | $3.6M* | 0.01% | 67th |
Tennessee: 298th with 0.00% · Memphis metro: 84th, 0.01% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1