| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -2.6% | +1.3% | -3.9 pts |
| Share growth (YoY) | -4.4% | +0.9% | -5.4 pts |
| Loan growth (YoY) | -20.0% | -2.6% | -17.3 pts |
| ROA | 1.07% | 0.65% | +0.4 pts |
| ROE | 7.5% | 4.4% | +3.1 pts |
ROA ranks in the 71st percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $16.8M | $14.3M | $2.9M | $2.4M | $90K | 1.07% | 4.03% | 0.69% | 1,366 |
| Q1 2026 | $17.5M | $15.1M | $3.2M | $2.4M | $54K | 1.24% | 3.90% | 0.58% | 1,384 |
| Q4 2025 | $16.8M | $14.4M | $3.3M | $2.3M | $222K | 1.32% | 4.14% | 0.57% | 1,395 |
| Q3 2025 | $16.7M | $14.4M | $3.4M | $2.3M | $172K | 1.37% | 4.16% | 0.75% | 1,415 |
| Q2 2025 | $17.3M | $15.0M | $3.6M | $2.2M | $108K | 1.25% | 3.95% | 0.64% | 1,432 |
| Q1 2025 | $16.9M | $14.7M | $3.7M | $2.1M | $42K | 1.00% | 3.87% | 0.33% | 1,461 |
| Q4 2024 | $15.9M | $13.8M | $4.0M | $2.1M | $214K | 1.35% | 3.96% | 0.36% | 1,473 |
| Q3 2024 | $16.2M | $14.1M | $4.2M | $2.1M | $173K | 1.42% | 3.86% | 0.40% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.07% | 0.65% | 71st | |
Return on equity Annualized net income ÷ equity or net worth | 7.5% | 4.4% | 73rd | |
Net interest margin Interest income − interest expense, ÷ assets | 4.03% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 1,494 |
| Q2 2024 | $17.0M | $14.9M | $4.1M | $2.0M | $128K | 1.51% | 3.68% | 0.30% | 1,505 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $2.8M · securities $9.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 76.7% | 80.6% | 40th |
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: Madison, TN, ranked 17th with 0.4% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Madison, TN | 1 | $14.3M* | 0.43% | 17th |
Tennessee: 271st with 0.00% · Jackson metro: 24th, 0.28% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1