| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.6% | +5.1% | -3.5 pts |
| Share growth (YoY) | +0.9% | +4.9% | -3.9 pts |
| Loan growth (YoY) | +5.4% | +5.4% | +0.0 pts |
| ROA | 0.43% | 0.71% | -0.3 pts |
| ROE | 3.9% | 6.3% | -2.4 pts |
ROA ranks in the 24th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $1.46B | $1.30B | $1.07B | $159.6M | $1.6M | 0.43% | 3.45% | 0.69% | 91,837 |
| Q4 2025 | $1.43B | $1.28B | $1.07B | $158.1M | $7.5M | 0.52% | 3.35% | 0.84% | 91,501 |
| Q3 2025 | $1.41B | $1.26B | $1.07B | $155.6M | $5.0M | 0.47% | 3.30% | 0.67% | 91,761 |
| Q2 2025 | $1.43B | $1.28B | $1.04B | $153.3M | $2.8M | 0.39% | 3.13% | 0.42% | 91,430 |
| Q1 2025 | $1.44B | $1.29B | $1.01B | $151.6M | $321K | 0.09% | 2.78% | 0.46% | 94,180 |
| Q4 2024 | $1.42B | $1.27B | $1.02B | $151.3M | $4.9M | 0.35% | 2.68% | 0.61% | 93,778 |
| Q3 2024 | $1.40B | $1.26B | $1.04B | $151.1M | $4.7M | 0.45% | 2.68% | 0.59% | 93,981 |
| Q2 2024 | $1.42B | $1.29B | $1.05B | $150.1M | $3.7M | 0.52% | 2.62% |
| Ratio | Listerhill Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.43% | 0.71% | 24th | |
Return on equity Annualized net income ÷ equity or net worth | 3.9% | 6.3% | 24th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.45% | 3.32% |
Peer lists, growth filters, CSV export, CRM push.
| 0.48% |
| 93,999 |
Loan mix (Q1 2026): real estate $404.9M · commercial $226.0M · consumer $325.8M · securities $97.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 84.6% | 73.0% | 89th |
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 | Listerhill 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 | Listerhill 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 | Listerhill 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 | Listerhill 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 | Listerhill 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.
18 branches in 8 counties across 2 states (+0 vs 2024). Biggest market: Lauderdale, AL, ranked 3rd with 12.5% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Lauderdale, AL | 6 | $427.0M* | 12.48% | 3rd |
| Colbert, AL | 3 | $213.5M* | 11.68% | 3rd |
| Maury, TN | 2 | $142.3M* | 5.83% | 7th |
| 5 more counties with Pro → | ||||
Alabama: 29th with 0.70% · Tennessee: 160th with 0.05% · Florence-Muscle Shoals metro: 3rd, 12.20% · Nashville-Davidson--Murfreesboro--Franklin metro: 51st, 0.14% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 17 · 2023 17 · 2024 18 · 2025 18