| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.9% | +1.3% | +2.6 pts |
| Share growth (YoY) | +4.4% | +0.9% | +3.5 pts |
| Loan growth (YoY) | +5.2% | -2.6% | +7.8 pts |
| ROA | 0.24% | 0.65% | -0.4 pts |
| ROE | 1.8% | 4.4% | -2.6 pts |
ROA ranks in the 29th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $58.1M | $49.8M | $15.3M | $7.7M | $70K | 0.24% | 3.02% | 0.27% | 4,414 |
| Q1 2026 | $55.2M | $47.0M | $13.8M | $7.6M | $25K | 0.18% | 3.07% | 0.21% | 4,461 |
| Q4 2025 | $54.4M | $46.2M | $13.9M | $7.6M | $-19K | -0.04% | 3.01% | 0.13% | 4,481 |
| Q3 2025 | $54.8M | $46.6M | $14.3M | $7.6M | $-32K | -0.08% | 2.94% | 0.00% | 4,513 |
| Q2 2025 | $55.9M | $47.7M | $14.5M | $7.6M | $-31K | -0.11% | 2.84% | 0.04% | 4,554 |
| Q1 2025 | $54.9M | $46.7M | $14.8M | $7.6M | $-40K | -0.29% | 2.82% | 0.46% | 4,592 |
| Q4 2024 | $54.7M | $46.4M | $14.9M | $7.6M | $142K | 0.26% | 2.81% | 0.12% | 4,645 |
| Q3 2024 | $55.4M | $47.1M | $15.3M | $7.6M | $88K | 0.21% | 2.75% | 0.01% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.24% | 0.65% | 29th | |
Return on equity Annualized net income ÷ equity or net worth | 1.8% | 4.4% | 31st | |
Net interest margin Interest income − interest expense, ÷ assets | 3.02% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 4,702 |
| Q2 2024 | $56.1M | $48.0M | $15.5M | $7.5M | $41K | 0.15% | 2.66% | 0.09% | 4,732 |
Loan mix (Q2 2026): real estate $806K · commercial $0 · consumer $14.1M · securities $27.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 93.5% | 80.6% | 78th |
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.
3 branches in 2 counties across 2 states (+0 vs 2025). Biggest market: Shelby, TN, ranked 48th with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Shelby, TN | 2 | $33.2M* | 0.08% | 48th |
| DeSoto, MS | 1 | $16.6M* | 0.33% | 23rd |
Tennessee: 234th with 0.01% · Mississippi: 117th with 0.02% · Memphis metro: 55th, 0.10% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 3 · 2023 3 · 2024 3 · 2025 3 · 2026 3