| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -16.2% | +1.3% | -17.5 pts |
| Share growth (YoY) | -18.0% | +0.9% | -18.9 pts |
| Loan growth (YoY) | -11.3% | -2.6% | -8.7 pts |
| ROA | 0.32% | 0.65% | -0.3 pts |
| ROE | 3.7% | 4.4% | -0.7 pts |
ROA ranks in the 32nd percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.0M | $938K | $517K | $90K | $2K | 0.32% | 2.76% | 0.00% | 369 |
| Q1 2026 | $1.1M | $957K | $545K | $89K | $888 | 0.34% | 2.89% | 0.00% | 367 |
| Q4 2025 | $987K | $888K | $583K | $89K | $3K | 0.33% | 2.84% | 0.00% | 308 |
| Q3 2025 | $1.3M | $1.2M | $606K | $88K | $51 | 0.01% | 2.16% | 0.00% | 297 |
| Q2 2025 | $1.2M | $1.1M | $583K | $82K | $-6K | -0.96% | 1.37% | 0.00% | 300 |
| Q1 2025 | $1.3M | $1.2M | $516K | $84K | $-4K | -1.20% | 1.48% | 0.00% | 301 |
| Q4 2024 | $1.2M | $1.1M | $587K | $88K | $4K | 0.33% | 3.05% | 0.00% | 304 |
| Q3 2024 | $1.1M | $1.0M | $639K | $90K | $8K | 0.89% | 3.52% | 0.00% | 357 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.32% | 0.65% | 32nd | |
Return on equity Annualized net income ÷ equity or net worth | 3.7% | 4.4% | 44th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.76% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 |
| $1.1M |
| $985K |
| $661K |
| $87K |
| $4K |
| 0.70% |
| 3.51% |
| 0.00% |
| 289 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $412K · securities $120K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 88.9% | 80.6% | 69th |
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: Hardin, TN, ranked 8th with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Hardin, TN | 1 | $938K* | 0.11% | 8th |
Tennessee: 312th with 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1