| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.5% | +1.3% | +4.2 pts |
| Share growth (YoY) | +4.0% | +0.9% | +3.1 pts |
| Loan growth (YoY) | +12.9% | -2.6% | +15.6 pts |
| ROA | 2.64% | 0.65% | +2.0 pts |
| ROE | 8.9% | 4.4% | +4.6 pts |
ROA ranks in the 98th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $13.9M | $9.7M | $10.1M | $4.1M | $184K | 2.64% | 4.57% | 0.32% | 1,604 |
| Q1 2026 | $13.8M | $9.6M | $10.2M | $4.0M | $81K | 2.34% | 4.45% | 0.20% | 1,589 |
| Q4 2025 | $13.5M | $9.4M | $9.7M | $3.9M | $289K | 2.14% | 4.08% | 0.20% | 1,582 |
| Q3 2025 | $13.4M | $9.5M | $9.5M | $3.8M | $205K | 2.03% | 3.98% | 0.23% | 1,564 |
| Q2 2025 | $13.2M | $9.3M | $9.0M | $3.8M | $125K | 1.89% | 3.92% | 0.46% | 1,557 |
| Q1 2025 | $12.9M | $9.1M | $8.7M | $3.7M | $55K | 1.70% | 3.98% | 0.34% | 1,550 |
| Q4 2024 | $12.6M | $8.9M | $8.6M | $3.6M | $255K | 2.02% | 3.78% | 0.30% | 1,543 |
| Q3 2024 | $12.2M | $8.6M | $8.6M | $3.6M | $184K | 2.00% | 3.83% | 0.54% |
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.64% | 0.65% | 98th | |
Return on equity Annualized net income ÷ equity or net worth | 8.9% | 4.4% | 81st | |
Net interest margin Interest income − interest expense, ÷ assets | 4.57% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 1,523 |
| Q2 2024 | $12.2M | $8.6M | $8.7M | $3.5M | $119K | 1.94% | 3.75% | 0.30% | 1,516 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $8.1M · securities $3.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 42.2% | 80.6% | 2nd |
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 2025). Biggest market: Greene, TN, ranked 8th with 0.5% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Greene, TN | 1 | $9.7M* | 0.46% | 8th |
Tennessee: 281st with 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1