| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.5% | +1.3% | +2.2 pts |
| Share growth (YoY) | +1.7% | +0.9% | +0.7 pts |
| Loan growth (YoY) | -9.3% | -2.6% | -6.7 pts |
| ROA | 1.90% | 0.65% | +1.3 pts |
| ROE | 9.4% | 4.4% | +5.0 pts |
ROA ranks in the 93rd percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $36.6M | $29.1M | $18.9M | $7.4M | $349K | 1.90% | 4.01% | 0.08% | 1,859 |
| Q1 2026 | $36.7M | $29.3M | $19.4M | $7.2M | $173K | 1.89% | 4.00% | 0.50% | 1,851 |
| Q4 2025 | $36.4M | $29.2M | $20.2M | $7.1M | $706K | 1.94% | 3.91% | 0.11% | 1,841 |
| Q3 2025 | $36.0M | $29.0M | $20.4M | $6.8M | $486K | 1.80% | 3.89% | 0.35% | 1,824 |
| Q2 2025 | $35.4M | $28.6M | $20.8M | $6.7M | $315K | 1.78% | 3.88% | 0.05% | 1,859 |
| Q1 2025 | $35.4M | $28.8M | $21.4M | $6.5M | $141K | 1.60% | 3.83% | 0.00% | 1,858 |
| Q4 2024 | $35.5M | $28.7M | $21.7M | $6.4M | $683K | 1.92% | 3.79% | 0.01% | 1,832 |
| Q3 2024 | $36.4M | $30.1M | $21.8M | $6.1M | $466K | 1.71% | 3.64% | 0.11% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.90% | 0.65% | 93rd | |
Return on equity Annualized net income ÷ equity or net worth | 9.4% | 4.4% | 83rd | |
Net interest margin Interest income − interest expense, ÷ assets | 4.01% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 1,688 |
| Q2 2024 | $36.3M | $30.1M | $21.9M | $6.0M | $316K | 1.74% | 3.61% | 0.00% | 1,698 |
Loan mix (Q2 2026): real estate $5.8M · commercial $0 · consumer $10.9M · securities $8.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 57.4% | 80.6% | 9th |
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: Knox, TN, ranked 41st with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Knox, TN | 2 | $29.1M* | 0.12% | 41st |
Tennessee: 241st with 0.01% · Knoxville metro: 58th, 0.08% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2 · 2026 2