| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -6.5% | +1.3% | -7.8 pts |
| Share growth (YoY) | -8.5% | +0.9% | -9.4 pts |
| Loan growth (YoY) | -27.2% | -2.6% | -24.6 pts |
| ROA | 0.67% | 0.65% | +0.0 pts |
| ROE | 4.1% | 4.4% | -0.3 pts |
ROA ranks in the 51st percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $24.4M | $20.3M | $7.5M | $4.0M | $81K | 0.67% | 4.28% | 0.52% | 3,372 |
| Q1 2026 | $25.5M | $21.5M | $7.8M | $3.9M | $45K | 0.71% | 4.05% | 0.64% | 3,364 |
| Q4 2025 | $25.6M | $21.6M | $8.6M | $3.9M | $-29K | -0.11% | 4.16% | 0.68% | 3,350 |
| Q3 2025 | $25.8M | $21.8M | $9.4M | $3.8M | $-84K | -0.43% | 4.09% | 0.51% | 3,347 |
| Q2 2025 | $26.1M | $22.2M | $10.3M | $3.8M | $-116K | -0.89% | 4.12% | 0.73% | 3,312 |
| Q1 2025 | $26.7M | $22.8M | $11.0M | $3.8M | $-111K | -1.67% | 4.03% | 1.26% | 3,283 |
| Q4 2024 | $26.2M | $22.2M | $11.6M | $3.9M | $136K | 0.52% | 4.19% | 1.70% | 3,283 |
| Q3 2024 | $26.5M | $22.4M | $12.6M | $3.9M | $141K | 0.71% | 4.18% | 1.08% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.67% | 0.65% | 51st | |
Return on equity Annualized net income ÷ equity or net worth | 4.1% | 4.4% | 47th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.28% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 3,259 |
| Q2 2024 | $25.9M | $22.0M | $13.3M | $3.9M | $97K | 0.75% | 3.74% | 1.55% | 3,251 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $7.3M · securities $11.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 88.1% | 80.6% | 68th |
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.
1 branches in 1 county across 1 state (+0 vs 2025). Biggest market: Shelby, TN, ranked 54th with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Shelby, TN | 1 | $20.3M* | 0.05% | 54th |
Tennessee: 259th with 0.01% · Memphis metro: 70th, 0.04% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1