| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.8% | +1.3% | +0.5 pts |
| Share growth (YoY) | +1.4% | +0.9% | +0.4 pts |
| Loan growth (YoY) | +5.2% | -2.6% | +7.8 pts |
| ROA | 1.21% | 0.65% | +0.6 pts |
| ROE | 2.3% | 4.4% | -2.1 pts |
ROA ranks in the 76th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.8M | $848K | $1.0M | $938K | $11K | 1.21% | 5.91% | 0.00% | 379 |
| Q1 2026 | $1.8M | $848K | $1.1M | $933K | $5K | 1.22% | 6.06% | 0.00% | 380 |
| Q4 2025 | $1.8M | $815K | $1.1M | $927K | $18K | 1.00% | 5.90% | 0.00% | 385 |
| Q3 2025 | $1.8M | $817K | $958K | $921K | $12K | 0.88% | 5.92% | 0.62% | 387 |
| Q2 2025 | $1.8M | $836K | $985K | $919K | $9K | 1.01% | 5.93% | 3.54% | 383 |
| Q1 2025 | $1.8M | $893K | $983K | $915K | $6K | 1.26% | 6.02% | 3.38% | 382 |
| Q4 2024 | $1.8M | $869K | $1.0M | $910K | $23K | 1.28% | 5.59% | 3.58% | 391 |
| Q3 2024 | $1.8M | $862K | $1.0M | $902K | $16K | 1.19% | 5.68% | 3.63% | 388 |
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.21% | 0.65% | 76th | |
Return on equity Annualized net income ÷ equity or net worth | 2.3% | 4.4% | 34th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.91% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 |
| $1.8M |
| $845K |
| $1.1M |
| $898K |
| $11K |
| 1.27% |
| 5.69% |
| 3.44% |
| 389 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $797K · securities $531K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 79.1% | 80.6% | 46th |
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 10th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Greene, TN | 1 | $848K* | 0.04% | 10th |
Tennessee: 313th with 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1