Lakeside Credit Union
Total assets
$43.8M
▲ +1.3% YoY
Shares & deposits
$36.3M
▼ -0.3% YoY
Loans
$21.9M
▼ -0.8% YoY
Members
2,624
▲ +1.0% YoY
ROA (annualized)
1.55%
peers 0.60%
ROE (annualized)
9.10%
peers 4.10%
Peer comparison 2,508 credit unions with <100M in assets
| Metric | Lakeside Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.3% | +1.3% | -0.0 pts |
| Share growth (YoY) | -0.3% | +0.7% | -1.0 pts |
| Loan growth (YoY) | -0.8% | -2.4% | +1.6 pts |
| ROA | 1.55% | 0.60% | +0.9 pts |
| ROE | 9.1% | 4.1% | +5.0 pts |
ROA ranks in the 86th percentile of its peer group · Q1 2026
Profile
- Established
- 1965
- Charter
- FISCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 3
- Address
- 1008 Broadway, New Johnsonvill, TN, 37134
- NCUA charter #
- 67713
- RSSD ID
- 371492
- Latest call report
- Q1 2026
Total assets last 8 quarters
Members last 8 quarters
Quarterly financials NCUA 5300 call report
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| 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% | 2,565 |
| Q2 2024 | $40.6M | $34.3M | $21.7M | $6.3M | $218K | 1.07% | 4.06% | 0.68% | 2,553 |
Loan mix (Q1 2026): real estate $1.0M · commercial $0 · consumer $18.8M · securities $16.7M
Ratio pack Q1 2026 · peer medians from 2508 institutions
Profitability
| Ratio | Lakeside Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.55% | 0.60% | — | |
Return on equity Annualized net income ÷ equity or net worth | 9.1% | 4.1% | — | |
Net interest margin Interest income − interest expense, ÷ assets | 4.49% | 3.83% | — | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 68.0% | 81.5% | — | |
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% |
Balance sheet
| 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% |
Capital
| 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% |
Credit quality
| 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% |
Franchise
| 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% |
12 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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