| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.7% | +1.3% | -0.6 pts |
| Share growth (YoY) | -1.0% | +0.7% | -1.6 pts |
| Loan growth (YoY) | -9.3% | -2.4% | -6.9 pts |
| ROA | 1.42% | 0.60% | +0.8 pts |
| ROE | 8.1% | 4.1% | +4.0 pts |
ROA ranks in the 83rd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $7.8M | $6.4M | $4.4M | $1.4M | $28K | 1.42% | 3.79% | 0.01% | 635 |
| Q4 2025 | $7.6M | $6.2M | $4.6M | $1.3M | $118K | 1.55% | 4.04% | 0.89% | 633 |
| Q3 2025 | $7.8M | $6.5M | $4.6M | $1.3M | $91K | 1.54% | 3.92% | 0.54% | 634 |
| Q2 2025 | $7.8M | $6.5M | $4.7M | $1.3M | $59K | 1.52% | 3.91% | 0.52% | 642 |
| Q1 2025 | $7.8M | $6.5M | $4.8M | $1.3M | $29K | 1.49% | 3.89% | 0.18% | 632 |
| Q4 2024 | $7.7M | $6.4M | $4.8M | $1.2M | $81K | 1.05% | 3.61% | 0.58% | 644 |
| Q3 2024 | $7.5M | $6.2M | $4.8M | $1.2M | $78K | 1.38% | 3.57% | 0.71% | 645 |
| Q2 2024 | $7.5M | $6.2M | $4.5M | $1.2M | $46K | 1.23% | 3.46% | 0.74% | 652 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.42% | 0.60% | 83rd | |
Return on equity Annualized net income ÷ equity or net worth | 8.1% | 4.1% | 77th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.79% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $3.7M · securities $2.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 64.0% | 81.5% | 17th |
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 2024). Biggest market: Sumner, TN, ranked 29th with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Sumner, TN | 1 | $6.5M* | 0.11% | 29th |
Tennessee: 279th with 0.00% · Nashville-Davidson--Murfreesboro--Franklin metro: 89th, 0.01% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1