| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.4% | +1.3% | +5.1 pts |
| Share growth (YoY) | +7.2% | +0.9% | +6.3 pts |
| Loan growth (YoY) | -4.0% | -2.6% | -1.3 pts |
| ROA | 0.47% | 0.65% | -0.2 pts |
| ROE | 3.2% | 4.4% | -1.2 pts |
ROA ranks in the 40th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $26.1M | $22.0M | $14.3M | $3.9M | $62K | 0.47% | 3.96% | 0.03% | 3,139 |
| 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% |
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.47% | 0.65% | 40th | |
Return on equity Annualized net income ÷ equity or net worth | 3.2% | 4.4% | 41st | |
Net interest margin Interest income − interest expense, ÷ assets | 3.96% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 3,154 |
| Q2 2024 | $23.7M | $19.7M | $14.7M | $3.6M | $78K | 0.66% | 4.15% | 0.32% | 3,170 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $13.9M · securities $8.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 90.8% | 80.6% | 73rd |
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.
2 branches in 1 county across 1 state (+0 vs 2025). Biggest market: Hamilton, TN, ranked 31st with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Hamilton, TN | 2 | $22.0M* | 0.15% | 31st |
Tennessee: 256th with 0.01% · Chattanooga metro: 41st, 0.12% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 3 · 2023 3 · 2024 2 · 2025 2 · 2026 2