| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +12.0% | +1.3% | +10.8 pts |
| Share growth (YoY) | +12.0% | +0.9% | +11.0 pts |
| Loan growth (YoY) | -2.7% | -2.6% | -0.1 pts |
| ROA | 0.58% | 0.65% | -0.1 pts |
| ROE | 5.0% | 4.4% | +0.6 pts |
ROA ranks in the 46th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $43.3M | $38.5M | $15.8M | $5.0M | $126K | 0.58% | 3.01% | 8.72% | 2,888 |
| Q1 2026 | $39.0M | $35.0M | $15.6M | $4.2M | $34K | 0.34% | 3.10% | 4.93% | 2,486 |
| Q4 2025 | $40.0M | $35.5M | $16.3M | $4.2M | $105K | 0.26% | 3.00% | 3.17% | 2,483 |
| Q3 2025 | $39.3M | $34.9M | $16.3M | $4.2M | $65K | 0.22% | 2.98% | 2.25% | 2,498 |
| Q2 2025 | $38.7M | $34.3M | $16.2M | $4.1M | $27K | 0.14% | 2.90% | 5.34% | 2,507 |
| Q1 2025 | $39.1M | $34.8M | $16.2M | $4.1M | $7K | 0.07% | 2.73% | 3.13% | 2,510 |
| Q4 2024 | $38.8M | $34.7M | $17.1M | $4.1M | $-49K | -0.13% | 2.57% | 2.25% | 2,505 |
| Q3 2024 | $40.6M | $36.3M | $17.4M | $4.1M | $-65K | -0.21% | 2.41% | 1.45% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.58% | 0.65% | 46th | |
Return on equity Annualized net income ÷ equity or net worth | 5.0% | 4.4% | 55th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.01% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 2,503 |
| Q2 2024 | $40.0M | $36.2M | $17.8M | $4.1M | $-44K | -0.22% | 2.43% | 1.60% | 2,507 |
Loan mix (Q2 2026): real estate $7.7M · commercial $0 · consumer $7.0M · securities $18.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 72.4% | 80.6% | 31st |
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.
| Date | Role | Counterparty | Kind | Status | Regulator |
|---|---|---|---|---|---|
| Mar 31, 2026 | Acquirer | Basf Chattanooga | Merger | Completed | NCUA |
4 branches in 2 counties across 2 states (+1 vs 2025). Biggest market: Hamilton, TN, ranked 27th with 0.2% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Hamilton, TN | 3 | $28.8M* | 0.19% | 27th |
| Waukesha, WI | 1 | $9.6M* | 0.04% | 62nd |
Tennessee: 242nd with 0.01% · Wisconsin: 302nd with 0.00% · Chattanooga metro: 39th, 0.15% · Milwaukee-Waukesha metro: 81st, 0.01% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 3 · 2023 3 · 2024 3 · 2025 3 · 2026 4