Healthcare Services Credit Union
Total assets
$25.1M
▲ +3.2% YoY
Shares & deposits
$21.0M
▲ +3.2% YoY
Loans
$14.1M
▼ -0.3% YoY
Members
3,124
▼ -1.4% YoY
ROA (annualized)
0.58%
peers 0.60%
ROE (annualized)
3.71%
peers 4.10%
Peer comparison 2,508 credit unions with <100M in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.2% | +1.3% | +1.9 pts |
| Share growth (YoY) | +3.2% | +0.7% | +2.6 pts |
| Loan growth (YoY) | -0.3% | -2.4% | +2.0 pts |
| ROA | 0.58% | 0.60% | -0.0 pts |
| ROE | 3.7% | 4.1% | -0.4 pts |
ROA ranks in the 48th percentile of its peer group · Q1 2026
Profile
- Established
- 1952
- Charter
- FISCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 3
- Address
- 946 E 3Rd St, Chattanooga, TN, 37403
- NCUA charter #
- 68173
- RSSD ID
- 357094
- Latest call report
- Q1 2026
Total assets last 8 quarters
Members last 8 quarters
Quarterly financials NCUA 5300 call report
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $25.1M | $21.0M | $14.1M | $3.9M | $36K | 0.58% | 4.04% | 0.34% | 3,124 |
| Q4 2025 | $24.6M | $20.6M | $14.5M | $3.9M | $144K | 0.58% | 4.23% | 0.40% | 3,116 |
| Q3 2025 | $24.1M | $20.1M | $15.2M | $3.8M | $108K | 0.60% | 4.31% | 0.13% | 3,114 |
| Q2 2025 | $24.5M | $20.5M | $14.9M | $3.8M | $62K | 0.50% | 4.13% | 0.00% | 3,127 |
| Q1 2025 | $24.3M | $20.3M | $14.2M | $3.7M | $25K | 0.42% | 4.08% | 0.43% | 3,168 |
| Q4 2024 | $23.6M | $19.7M | $14.2M | $3.7M | $177K | 0.75% | 4.23% | 0.26% | 3,158 |
| Q3 2024 | $23.2M | $19.4M | $14.6M | $3.7M | $126K | 0.72% | 4.27% | 0.28% | 3,154 |
| Q2 2024 | $23.7M | $19.7M | $14.7M | $3.6M | $78K | 0.66% | 4.15% | 0.32% | 3,170 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $13.7M · securities $6.2M
Ratio pack Q1 2026 · peer medians from 2508 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.58% | 0.60% | 48th | |
Return on equity Annualized net income ÷ equity or net worth | 3.7% | 4.1% | 47th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.04% | 3.83% | 60th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 89.0% | 81.5% | 67th | |
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% |
Balance sheet
| 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% |
Capital
| 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% |
Credit quality
| 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% |
Franchise
| 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% |
12 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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