| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.6% | +1.3% | +0.3 pts |
| Share growth (YoY) | +1.4% | +0.9% | +0.5 pts |
| Loan growth (YoY) | +6.4% | -2.6% | +9.0 pts |
| ROA | 1.09% | 0.65% | +0.4 pts |
| ROE | 6.0% | 4.4% | +1.6 pts |
ROA ranks in the 71st percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $36.9M | $30.4M | $9.5M | $6.7M | $201K | 1.09% | 3.52% | 0.82% | 3,233 |
| Q1 2026 | $36.4M | $29.6M | $9.4M | $6.6M | $93K | 1.02% | 3.45% | 0.61% | 3,228 |
| Q4 2025 | $36.6M | $29.8M | $9.6M | $6.5M | $154K | 0.42% | 3.28% | 0.30% | 3,228 |
| Q3 2025 | $35.9M | $29.5M | $9.4M | $6.4M | $46K | 0.17% | 3.22% | 0.32% | 3,246 |
| Q2 2025 | $36.3M | $30.0M | $9.0M | $6.4M | $65K | 0.36% | 3.20% | 0.10% | 3,257 |
| Q1 2025 | $36.8M | $30.5M | $9.1M | $6.4M | $5K | 0.05% | 3.06% | 0.36% | 3,298 |
| Q4 2024 | $36.9M | $30.7M | $9.1M | $6.4M | $390K | 1.06% | 3.03% | 0.15% | 3,315 |
| Q3 2024 | $36.8M | $30.4M | $9.2M | $6.4M | $370K | 1.34% | 2.95% | 0.50% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.09% | 0.65% | 71st | |
Return on equity Annualized net income ÷ equity or net worth | 6.0% | 4.4% | 61st | |
Net interest margin Interest income − interest expense, ÷ assets | 3.52% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 3,448 |
| Q2 2024 | $37.4M | $31.2M | $9.4M | $6.3M | $298K | 1.59% | 2.89% | 0.71% | 3,476 |
Loan mix (Q2 2026): real estate $260K · commercial $0 · consumer $7.9M · securities $23.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 70.7% | 80.6% | 27th |
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.
4 branches in 3 counties across 3 states (+3 vs 2025). Biggest market: Carter, TN, ranked 7th with 1.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Carter, TN | 2 | $15.2M* | 1.07% | 7th |
| Fulton, GA | 1 | $7.6M* | 0.01% | 67th |
| Denton, TX | 1 | $7.6M* | 0.00% | 56th |
Tennessee: 269th with 0.01% · Georgia: 259th with 0.00% · Texas: 823rd with 0.00% · Johnson City metro: 27th, 0.19% · Dallas-Fort Worth-Arlington metro: 271st, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 4