| Metric | Leaders Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +10.9% | +5.1% | +5.7 pts |
| Share growth (YoY) | +12.9% | +4.9% | +8.0 pts |
| Loan growth (YoY) | +11.4% | +5.4% | +5.9 pts |
| ROA | 1.19% | 0.71% | +0.5 pts |
| ROE | 10.8% | 6.3% | +4.5 pts |
ROA ranks in the 82nd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $1.31B | $1.14B | $1.13B | $144.8M | $3.9M | 1.19% | 3.34% | 0.62% | 90,743 |
| Q4 2025 | $1.29B | $1.10B | $1.09B | $140.9M | $17.5M | 1.36% | 3.29% | 0.79% | 88,214 |
| Q3 2025 | $1.27B | $1.06B | $1.09B | $136.7M | $13.4M | 1.40% | 3.22% | 0.62% | 87,038 |
| Q2 2025 | $1.23B | $1.03B | $1.07B | $132.1M | $8.8M | 1.42% | 3.19% | 0.51% | 84,060 |
| Q1 2025 | $1.18B | $1.01B | $1.02B | $126.7M | $3.3M | 1.13% | 3.08% | 0.56% | 82,818 |
| Q4 2024 | $1.14B | $970.5M | $991.4M | $123.3M | $15.8M | 1.38% | 3.06% | 0.68% | 78,996 |
| Q3 2024 | $1.12B | $940.8M | $972.6M | $118.9M | $11.3M | 1.35% | 3.04% | 0.67% | 79,961 |
| Q2 2024 | $1.07B | $897.9M | $924.8M | $114.7M | $7.2M | 1.35% | 3.15% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Leaders Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.19% | — | 82nd | |
Return on equity Annualized net income ÷ equity or net worth | 10.8% | — | 85th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.34% | — |
Peer lists, growth filters, CSV export, CRM push.
| 0.63% |
| 76,472 |
Loan mix (Q1 2026): real estate $286.3M · commercial $18.7M · consumer $736.3M · securities $5.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 67.7% | — | 30th |
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 | Leaders 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 | Leaders 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 | Leaders 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 | Leaders 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 | Leaders 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.
11 branches in 5 counties across 1 state (+1 vs 2024). Biggest market: Madison, TN, ranked 1st with 22.8% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Madison, TN | 6 | $562.2M* | 22.84% | 1st |
| Shelby, TN | 2 | $187.4M* | 0.54% | 26th |
| Gibson, TN | 1 | $93.7M* | 9.37% | 6th |
| 2 more counties with Pro → | ||||
Tennessee: 42nd with 0.39% · Jackson metro: 2nd, 16.17% · Memphis metro: 37th, 0.44% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 10 · 2023 10 · 2024 10 · 2025 11