| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.9% | +4.8% | +0.1 pts |
| Share growth (YoY) | +4.0% | +4.3% | -0.3 pts |
| Loan growth (YoY) | +2.9% | +4.3% | -1.4 pts |
| ROA | 2.10% | 0.62% | +1.5 pts |
| ROE | 16.7% | 5.9% | +10.8 pts |
ROA ranks in the 98th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $938.9M | $812.4M | $718.3M | $118.2M | $4.9M | 2.10% | 4.13% | 0.75% | 83,977 |
| Q4 2025 | $927.8M | $795.9M | $722.2M | $113.1M | $7.6M | 0.82% | 4.10% | 0.83% | 83,454 |
| Q3 2025 | $914.3M | $773.3M | $722.2M | $112.5M | $5.6M | 0.81% | 4.08% | 0.79% | 83,068 |
| Q2 2025 | $903.6M | $786.6M | $715.4M | $110.4M | $3.5M | 0.77% | 4.02% | 0.65% | 82,550 |
| Q1 2025 | $895.3M | $780.9M | $698.2M | $108.2M | $1.3M | 0.56% | 3.89% | 0.60% | 81,720 |
| Q4 2024 | $872.6M | $747.2M | $684.8M | $106.9M | $6.0M | 0.69% | 3.96% | 0.89% | 81,002 |
| Q3 2024 | $884.5M | $732.4M | $678.6M | $106.8M | $4.5M | 0.68% | 3.87% | 0.72% | 80,428 |
| Q2 2024 | $883.8M | $724.4M | $670.9M | $104.9M | $2.7M | 0.60% | 3.82% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.10% | 0.62% | 98th | |
Return on equity Annualized net income ÷ equity or net worth | 16.7% | 5.9% | 98th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.13% | 3.48% |
Peer lists, growth filters, CSV export, CRM push.
| 0.67% |
| 79,672 |
Loan mix (Q1 2026): real estate $370.5M · commercial $16.3M · consumer $315.9M · securities $39.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 61.5% | 78.3% | 9th |
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.
8 branches in 3 counties across 2 states (+0 vs 2024). Biggest market: Montgomery, TN, ranked 7th with 8.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Montgomery, TN | 4 | $393.3M* | 8.02% | 7th |
| Christian, KY | 3 | $295.0M* | 13.49% | 4th |
| Davidson, TN | 1 | $98.3M* | 0.17% | 32nd |
Tennessee: 81st with 0.19% · Kentucky: 88th with 0.21% · Clarksville metro: 3rd, 9.04% · Nashville-Davidson--Murfreesboro--Franklin metro: 59th, 0.10% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 8 · 2023 8 · 2024 8 · 2025 8