| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.9% | +1.3% | -3.2 pts |
| Share growth (YoY) | -2.3% | +0.9% | -3.2 pts |
| Loan growth (YoY) | -9.0% | -2.6% | -6.4 pts |
| ROA | 0.40% | 0.65% | -0.2 pts |
| ROE | 3.7% | 4.4% | -0.7 pts |
ROA ranks in the 37th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $27.5M | $24.4M | $11.5M | $3.0M | $55K | 0.40% | 2.86% | 0.15% | 1,903 |
| Q1 2026 | $27.9M | $24.8M | $11.9M | $3.0M | $37K | 0.53% | 2.81% | 0.07% | 1,954 |
| Q4 2025 | $26.9M | $23.8M | $12.4M | $3.0M | $164K | 0.61% | 2.84% | 0.21% | 1,962 |
| Q3 2025 | $27.3M | $24.2M | $12.8M | $2.9M | $143K | 0.70% | 2.81% | 0.44% | 1,980 |
| Q2 2025 | $28.0M | $25.0M | $12.6M | $2.9M | $81K | 0.58% | 2.68% | 0.34% | 2,017 |
| Q1 2025 | $28.6M | $25.7M | $13.3M | $2.8M | $37K | 0.52% | 2.49% | 0.00% | 2,031 |
| Q4 2024 | $28.3M | $25.3M | $13.6M | $2.8M | $132K | 0.47% | 2.42% | 0.21% | 2,034 |
| Q3 2024 | $28.9M | $26.0M | $13.8M | $2.8M | $117K | 0.54% | 2.34% | 0.01% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.40% | 0.65% | 37th | |
Return on equity Annualized net income ÷ equity or net worth | 3.7% | 4.4% | 44th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.86% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 2,035 |
| Q2 2024 | $29.1M | $26.3M | $14.2M | $2.7M | $74K | 0.51% | 2.25% | 0.11% | 2,054 |
Loan mix (Q2 2026): real estate $5.4M · commercial $0 · consumer $4.8M · securities $9.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 87.7% | 80.6% | 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% |
| 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 1 state (+1 vs 2025). Biggest market: Bradley, TN, ranked 15th with 0.4% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Bradley, TN | 2 | $16.3M* | 0.42% | 15th |
| McMinn, TN | 1 | $8.1M* | 0.47% | 12th |
Tennessee: 250th with 0.01% · Cleveland metro: 18th, 0.39% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 2 · 2026 3