| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -19.5% | +1.3% | -20.8 pts |
| Share growth (YoY) | -22.9% | +0.9% | -23.9 pts |
| Loan growth (YoY) | -18.1% | -2.6% | -15.5 pts |
| ROA | -2.63% | 0.65% | -3.3 pts |
| ROE | -9.0% | 4.4% | -13.4 pts |
ROA ranks in the 3rd percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $3.1M | $2.2M | $2.1M | $904K | $-41K | -2.63% | 5.60% | 3.55% | 523 |
| Q1 2026 | $3.1M | $2.1M | $2.1M | $917K | $-28K | -3.56% | 5.73% | 2.27% | 530 |
| Q4 2025 | $3.1M | $2.1M | $2.2M | $944K | $-104K | -3.36% | 6.54% | 3.64% | 526 |
| Q3 2025 | $3.6M | $2.6M | $2.4M | $970K | $-78K | -2.84% | 5.68% | 2.90% | 526 |
| Q2 2025 | $3.9M | $2.8M | $2.5M | $986K | $-63K | -3.25% | 5.39% | 2.72% | 525 |
| Q1 2025 | $3.9M | $2.8M | $2.6M | $1.1M | $-13K | -1.37% | 5.30% | 5.13% | 528 |
| Q4 2024 | $3.8M | $2.7M | $2.7M | $1.1M | $-55K | -1.44% | 6.29% | 6.17% | 526 |
| Q3 2024 | $4.1M | $2.9M | $2.8M | $1.1M | $-8K | -0.25% | 6.13% | 6.04% | 523 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -2.63% | 0.65% | 3rd | |
Return on equity Annualized net income ÷ equity or net worth | -9.0% | 4.4% | 6th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.60% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 | $4.3M | $3.1M | $2.6M | $1.1M | $-2K | -0.09% | 5.99% | 6.04% | 525 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $2.0M · securities $538K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 132.9% | 80.6% | 97th |
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 (+1 vs 2025). Biggest market: Shelby, TN, ranked 70th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Shelby, TN | 2 | $2.2M* | 0.01% | 70th |
Tennessee: 304th with 0.00% · Memphis metro: 87th, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 2