| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.2% | +1.3% | +1.9 pts |
| Share growth (YoY) | +4.1% | +0.9% | +3.2 pts |
| Loan growth (YoY) | -1.4% | -2.6% | +1.2 pts |
| ROA | 0.57% | 0.65% | -0.1 pts |
| ROE | 7.9% | 4.4% | +3.6 pts |
ROA ranks in the 45th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $55.3M | $51.0M | $42.0M | $4.0M | $157K | 0.57% | 3.94% | 0.52% | 2,953 |
| Q1 2026 | $56.4M | $52.3M | $42.2M | $3.9M | $77K | 0.55% | 3.77% | 0.82% | 2,897 |
| Q4 2025 | $54.8M | $50.8M | $42.4M | $3.8M | $73K | 0.13% | 3.67% | 0.82% | 2,893 |
| Q3 2025 | $53.7M | $49.7M | $42.2M | $3.9M | $121K | 0.30% | 3.67% | 0.57% | 2,916 |
| Q2 2025 | $53.5M | $49.0M | $42.6M | $3.8M | $77K | 0.29% | 3.59% | 1.09% | 2,977 |
| Q1 2025 | $52.0M | $48.0M | $42.7M | $3.7M | $-53K | -0.41% | 3.54% | 1.29% | 3,010 |
| Q4 2024 | $49.8M | $45.8M | $42.3M | $3.8M | $278K | 0.56% | 3.55% | 0.83% | 3,032 |
| Q3 2024 | $50.6M | $46.6M | $42.5M | $3.8M | $266K | 0.70% | 3.43% | 0.62% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.57% | 0.65% | 45th | |
Return on equity Annualized net income ÷ equity or net worth | 7.9% | 4.4% | 75th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.94% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 3,056 |
| Q2 2024 | $51.3M | $47.2M | $41.4M | $3.7M | $183K | 0.71% | 3.21% | 0.46% | 3,046 |
Loan mix (Q2 2026): real estate $24.7M · commercial $0 · consumer $16.0M · securities $10.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 87.7% | 80.6% | 67th |
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.
4 branches in 1 county across 1 state (+0 vs 2025). Biggest market: Shelby, TN, ranked 43rd with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Shelby, TN | 4 | $51.0M* | 0.13% | 43rd |
Tennessee: 218th with 0.02% · Memphis metro: 54th, 0.10% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 4 · 2023 4 · 2024 4 · 2025 4 · 2026 4