| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.7% | +1.3% | +1.5 pts |
| Share growth (YoY) | +1.4% | +0.9% | +0.5 pts |
| Loan growth (YoY) | -9.1% | -2.6% | -6.4 pts |
| ROA | 1.51% | 0.65% | +0.9 pts |
| ROE | 8.0% | 4.4% | +3.6 pts |
ROA ranks in the 85th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $12.5M | $10.1M | $6.2M | $2.4M | $94K | 1.51% | 4.65% | 0.04% | 1,336 |
| Q1 2026 | $12.8M | $10.4M | $6.5M | $2.3M | $44K | 1.37% | 4.63% | 0.00% | 1,344 |
| Q4 2025 | $13.0M | $10.6M | $6.9M | $2.3M | $208K | 1.60% | 4.46% | 0.10% | 1,350 |
| Q3 2025 | $12.4M | $10.1M | $6.9M | $2.2M | $157K | 1.70% | 4.67% | 0.03% | 1,366 |
| Q2 2025 | $12.2M | $10.0M | $6.8M | $2.2M | $108K | 1.78% | 4.73% | 0.00% | 1,374 |
| Q1 2025 | $12.2M | $10.1M | $6.8M | $2.1M | $50K | 1.64% | 4.60% | 0.00% | 1,370 |
| Q4 2024 | $12.0M | $9.9M | $6.9M | $2.1M | $135K | 1.13% | 4.20% | 0.03% | 1,362 |
| Q3 2024 | $12.0M | $10.0M | $6.7M | $2.0M | $82K | 0.91% | 4.03% | 0.00% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.51% | 0.65% | 85th | |
Return on equity Annualized net income ÷ equity or net worth | 8.0% | 4.4% | 76th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.65% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 1,363 |
| Q2 2024 | $11.7M | $9.7M | $6.8M | $2.0M | $46K | 0.78% | 3.95% | 0.01% | 1,379 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $5.9M · securities $5.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 70.0% | 80.6% | 26th |
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 2 states (+0 vs 2025). Biggest market: Knox, TN, ranked 48th with 0.0% of deposits.
Tennessee: 291st with 0.00% · Missouri: 350th with 0.00% · Knoxville metro: 64th, 0.02% · Jefferson City metro: 32nd, 0.04% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 3 · 2023 3 · 2024 3 · 2025 3 · 2026 3