| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -2.2% | +1.3% | -3.5 pts |
| Share growth (YoY) | -3.4% | +0.9% | -4.3 pts |
| Loan growth (YoY) | -3.0% | -2.6% | -0.4 pts |
| ROA | 1.31% | 0.65% | +0.7 pts |
| ROE | 8.0% | 4.4% | +3.6 pts |
ROA ranks in the 79th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $48.9M | $40.7M | $19.8M | $8.0M | $321K | 1.31% | 4.07% | 1.02% | 3,515 |
| Q1 2026 | $48.5M | $40.4M | $19.9M | $7.9M | $153K | 1.26% | 4.09% | 0.68% | 3,557 |
| Q4 2025 | $48.8M | $40.8M | $20.1M | $7.7M | $306K | 0.63% | 4.12% | 0.92% | 3,608 |
| Q3 2025 | $49.9M | $41.8M | $20.2M | $7.8M | $416K | 1.11% | 3.99% | 0.78% | 3,689 |
| Q2 2025 | $50.0M | $42.1M | $20.4M | $7.7M | $252K | 1.01% | 3.86% | 0.90% | 3,728 |
| Q1 2025 | $49.8M | $42.0M | $20.4M | $7.6M | $151K | 1.21% | 3.84% | 0.12% | 3,791 |
| Q4 2024 | $48.7M | $41.1M | $20.9M | $7.4M | $509K | 1.04% | 3.66% | 0.33% | 3,791 |
| Q3 2024 | $49.0M | $41.5M | $21.4M | $7.3M | $388K | 1.05% | 3.58% | 0.10% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.31% | 0.65% | 79th | |
Return on equity Annualized net income ÷ equity or net worth | 8.0% | 4.4% | 76th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.07% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 3,840 |
| Q2 2024 | $48.9M | $41.5M | $21.9M | $7.2M | $280K | 1.15% | 3.48% | 0.51% | 3,855 |
Loan mix (Q2 2026): real estate $8.5M · commercial $40K · consumer $9.8M · securities $19.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 72.1% | 80.6% | 30th |
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.
2 branches in 1 county across 1 state (-1 vs 2025). Biggest market: Knox, TN, ranked 37th with 0.2% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Knox, TN | 2 | $40.7M* | 0.17% | 37th |
Tennessee: 225th with 0.01% · Knoxville metro: 53rd, 0.11% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 3 · 2023 3 · 2024 3 · 2025 3 · 2026 2