| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.4% | +1.3% | +0.1 pts |
| Share growth (YoY) | +1.5% | +0.9% | +0.6 pts |
| Loan growth (YoY) | +0.7% | -2.6% | +3.3 pts |
| ROA | -0.11% | 0.65% | -0.8 pts |
| ROE | -0.8% | 4.4% | -5.2 pts |
ROA ranks in the 16th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $56.4M | $48.3M | $37.2M | $7.9M | $-32K | -0.11% | 4.26% | 1.47% | 4,001 |
| Q1 2026 | $57.0M | $49.0M | $37.9M | $7.9M | $-79K | -0.55% | 4.17% | 1.33% | 4,302 |
| Q4 2025 | $56.5M | $48.4M | $37.9M | $7.9M | $66K | 0.12% | 4.22% | 1.30% | 4,020 |
| Q3 2025 | $55.6M | $47.5M | $37.8M | $8.0M | $54K | 0.13% | 4.26% | 1.22% | 4,009 |
| Q2 2025 | $55.7M | $47.6M | $36.9M | $7.9M | $19K | 0.07% | 4.19% | 0.89% | 3,994 |
| Q1 2025 | $57.5M | $49.6M | $36.9M | $7.9M | $-11K | -0.07% | 4.00% | 0.50% | 3,973 |
| Q4 2024 | $55.9M | $47.9M | $37.2M | $7.9M | $263K | 0.47% | 4.10% | 1.04% | 3,970 |
| Q3 2024 | $54.5M | $46.7M | $36.9M | $7.9M | $199K | 0.49% | 4.16% | 0.93% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.11% | 0.65% | 16th | |
Return on equity Annualized net income ÷ equity or net worth | -0.8% | 4.4% | 16th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.26% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 3,985 |
| Q2 2024 | $55.2M | $47.2M | $35.8M | $7.8M | $98K | 0.36% | 4.05% | 0.52% | 3,992 |
Loan mix (Q2 2026): real estate $14.7M · commercial $58K · consumer $20.0M · securities $2.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 95.0% | 80.6% | 81st |
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.
3 branches in 1 county across 1 state (+0 vs 2025). Biggest market: Washington, TN, ranked 15th with 0.9% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Washington, TN | 3 | $48.3M* | 0.89% | 15th |
Tennessee: 223rd with 0.02% · Johnson City metro: 18th, 0.60% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 3 · 2023 3 · 2024 3 · 2025 3 · 2026 3