| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.5% | +1.3% | -1.8 pts |
| Share growth (YoY) | -2.0% | +0.9% | -3.0 pts |
| Loan growth (YoY) | -11.0% | -2.6% | -8.4 pts |
| ROA | 0.60% | 0.65% | -0.0 pts |
| ROE | 2.9% | 4.4% | -1.5 pts |
ROA ranks in the 47th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $59.3M | $46.3M | $11.8M | $12.3M | $179K | 0.60% | 3.92% | 2.72% | 4,009 |
| Q1 2026 | $60.2M | $47.6M | $12.2M | $12.3M | $112K | 0.74% | 3.83% | 2.06% | 4,009 |
| Q4 2025 | $59.0M | $46.5M | $12.4M | $12.2M | $360K | 0.61% | 3.90% | 2.68% | 4,034 |
| Q3 2025 | $58.6M | $46.1M | $13.0M | $12.1M | $261K | 0.59% | 3.90% | 2.57% | 4,092 |
| Q2 2025 | $59.6M | $47.2M | $13.3M | $12.0M | $168K | 0.56% | 3.75% | 2.34% | 4,129 |
| Q1 2025 | $59.2M | $46.8M | $13.3M | $11.9M | $73K | 0.49% | 3.66% | 2.02% | 4,187 |
| Q4 2024 | $58.3M | $46.0M | $13.7M | $11.8M | $222K | 0.38% | 3.59% | 2.74% | 4,216 |
| Q3 2024 | $58.8M | $46.7M | $13.8M | $11.7M | $164K | 0.37% | 3.47% | 3.76% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.60% | 0.65% | 47th | |
Return on equity Annualized net income ÷ equity or net worth | 2.9% | 4.4% | 39th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.92% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 4,262 |
| Q2 2024 | $59.3M | $47.3M | $13.8M | $11.7M | $101K | 0.34% | 3.34% | 3.59% | 4,274 |
Loan mix (Q2 2026): real estate $1.6M · commercial $0 · consumer $9.8M · securities $42.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 78.3% | 80.6% | 44th |
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 2 counties across 2 states (+1 vs 2025). Biggest market: Hamilton, TN, ranked 30th with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Hamilton, TN | 1 | $23.1M* | 0.15% | 30th |
| Jefferson, KY | 1 | $23.1M* | 0.06% | 37th |
Tennessee: 254th with 0.01% · Kentucky: 190th with 0.02% · Chattanooga metro: 40th, 0.12% · Louisville/Jefferson County metro: 57th, 0.04% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 2