| Metric | Lakeside Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.2% | +1.3% | +1.9 pts |
| Share growth (YoY) | +2.1% | +0.9% | +1.2 pts |
| Loan growth (YoY) | -4.4% | -2.6% | -1.8 pts |
| ROA | 1.29% | 0.65% | +0.6 pts |
| ROE | 7.6% | 4.4% | +3.2 pts |
ROA ranks in the 79th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $44.7M | $37.0M | $21.6M | $7.6M | $287K | 1.29% | 4.24% | 0.56% | 2,627 |
| Q1 2026 | $43.8M | $36.3M | $21.9M | $7.4M | $169K | 1.55% | 4.49% | 0.73% | 2,624 |
| Q4 2025 | $42.3M | $35.0M | $22.4M | $7.3M | $588K | 1.39% | 4.61% | 0.94% | 2,640 |
| Q3 2025 | $42.2M | $34.9M | $22.4M | $7.1M | $438K | 1.38% | 4.57% | 0.68% | 2,619 |
| Q2 2025 | $43.3M | $36.3M | $22.6M | $7.0M | $318K | 1.47% | 4.41% | 1.95% | 2,599 |
| Q1 2025 | $43.3M | $36.4M | $22.1M | $6.8M | $165K | 1.53% | 4.33% | 0.96% | 2,597 |
| Q4 2024 | $41.2M | $34.7M | $22.5M | $6.7M | $598K | 1.45% | 4.21% | 0.74% | 2,569 |
| Q3 2024 | $40.1M | $33.6M | $22.2M | $6.5M | $417K | 1.39% | 4.27% | 0.58% |
| Ratio | Lakeside Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.29% | 0.65% | 79th | |
Return on equity Annualized net income ÷ equity or net worth | 7.6% | 4.4% | 73rd | |
Net interest margin Interest income − interest expense, ÷ assets | 4.24% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 2,565 |
| Q2 2024 | $40.6M | $34.3M | $21.7M | $6.3M | $218K | 1.07% | 4.06% | 0.68% | 2,553 |
Loan mix (Q2 2026): real estate $1.0M · commercial $0 · consumer $18.2M · securities $17.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 68.9% | 80.6% | 24th |
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 | Lakeside Credit Union | 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 | Lakeside Credit Union | 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 | Lakeside Credit Union | 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 | Lakeside Credit Union | 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 | Lakeside Credit Union | 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: Humphreys, TN, ranked 6th with 6.6% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Humphreys, TN | 2 | $37.0M* | 6.57% | 6th |
Tennessee: 227th with 0.01% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2 · 2026 2