| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -6.4% | +1.3% | -7.7 pts |
| Share growth (YoY) | -9.9% | +0.9% | -10.8 pts |
| Loan growth (YoY) | -2.1% | -2.6% | +0.6 pts |
| ROA | -0.78% | 0.65% | -1.4 pts |
| ROE | -2.2% | 4.4% | -6.5 pts |
ROA ranks in the 8th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $4.3M | $2.8M | $3.1M | $1.6M | $-17K | -0.78% | 3.96% | 3.55% | 422 |
| Q1 2026 | $4.5M | $3.0M | $2.9M | $1.5M | $-25K | -2.23% | 3.95% | 4.00% | 422 |
| Q4 2025 | $4.2M | $2.7M | $3.0M | $1.6M | $6K | 0.13% | 3.69% | 0.82% | 417 |
| Q3 2025 | $4.6M | $3.0M | $3.1M | $1.5M | $-32K | -0.93% | 3.32% | 2.51% | 423 |
| Q2 2025 | $4.6M | $3.1M | $3.1M | $1.5M | $-26K | -1.13% | 3.63% | 2.72% | 427 |
| Q1 2025 | $4.5M | $3.0M | $3.1M | $1.6M | $-13K | -1.19% | 3.66% | 0.36% | 424 |
| Q4 2024 | $4.5M | $2.9M | $3.0M | $1.6M | $79K | 1.77% | 3.47% | 1.36% | 426 |
| Q3 2024 | $4.6M | $3.0M | $3.1M | $1.6M | $-23K | -0.68% | 3.44% | 0.40% | 419 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.78% | 0.65% | 8th | |
Return on equity Annualized net income ÷ equity or net worth | -2.2% | 4.4% | 13th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.96% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 | $4.7M | $3.1M | $3.1M | $1.5M | $61K | 2.63% | 3.17% | 0.44% | 424 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $2.3M · securities $1.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 90.7% | 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: Greene, TN, ranked 9th with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Greene, TN | 2 | $2.8M* | 0.13% | 9th |
Tennessee: 302nd with 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2 · 2026 2