| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.5% | +4.1% | -0.7 pts |
| Share growth (YoY) | +2.9% | +3.5% | -0.6 pts |
| Loan growth (YoY) | -2.5% | +2.9% | -5.4 pts |
| ROA | 1.30% | 0.74% | +0.6 pts |
| ROE | 6.0% | 6.5% | -0.5 pts |
ROA ranks in the 82nd percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $115.1M | $91.0M | $31.8M | $25.0M | $748K | 1.30% | 3.56% | 0.32% | 5,714 |
| Q1 2026 | $116.2M | $92.5M | $32.4M | $24.7M | $413K | 1.42% | 3.48% | 0.48% | 5,707 |
| Q4 2025 | $112.5M | $89.1M | $33.3M | $24.2M | $945K | 0.84% | 3.06% | 0.33% | 5,708 |
| Q3 2025 | $111.3M | $87.8M | $32.7M | $24.4M | $1.1M | 1.35% | 3.51% | 0.33% | 5,739 |
| Q2 2025 | $111.3M | $88.4M | $32.6M | $24.0M | $746K | 1.34% | 3.45% | 0.49% | 5,723 |
| Q1 2025 | $112.2M | $89.9M | $32.7M | $23.7M | $384K | 1.37% | 3.29% | 0.69% | 5,678 |
| Q4 2024 | $108.8M | $87.6M | $33.9M | $23.3M | $1.1M | 1.01% | 3.19% | 0.60% | 5,649 |
| Q3 2024 | $110.9M | $88.7M | $33.7M | $23.2M | $1.0M | 1.24% | 3.50% |
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.30% | 0.74% | 82nd | |
Return on equity Annualized net income ÷ equity or net worth | 6.0% | 6.5% | 45th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.56% | 3.67% |
Peer lists, growth filters, CSV export, CRM push.
| 0.09% |
| 5,628 |
| Q2 2024 | $110.8M | $89.8M | $33.5M | $22.9M | $689K | 1.24% | 3.48% | 0.15% | 5,546 |
Loan mix (Q2 2026): real estate $8.6M · commercial $0 · consumer $21.9M · securities $62.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 65.3% | 77.5% | 16th |
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 (-1 vs 2025). Biggest market: Shelby, TN, ranked 36th with 0.2% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Shelby, TN | 1 | $91.0M* | 0.22% | 36th |
Tennessee: 183rd with 0.03% · Memphis metro: 49th, 0.18% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2 · 2026 1