| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -2.3% | +1.3% | -3.5 pts |
| Share growth (YoY) | -3.5% | +0.9% | -4.4 pts |
| Loan growth (YoY) | -5.4% | -2.6% | -2.8 pts |
| ROA | 0.80% | 0.65% | +0.2 pts |
| ROE | 4.5% | 4.4% | +0.1 pts |
ROA ranks in the 58th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $46.2M | $37.5M | $7.3M | $8.1M | $185K | 0.80% | 3.71% | 1.03% | 5,310 |
| Q1 2026 | $47.1M | $38.3M | $7.3M | $8.1M | $30K | 0.25% | 3.49% | 2.15% | 5,431 |
| Q4 2025 | $44.5M | $36.4M | $7.3M | $8.1M | $92K | 0.21% | 3.67% | 2.86% | 5,532 |
| Q3 2025 | $46.4M | $38.3M | $7.4M | $8.0M | $61K | 0.18% | 3.49% | 2.31% | 5,639 |
| Q2 2025 | $47.3M | $38.8M | $7.7M | $8.0M | $5K | 0.02% | 3.27% | 2.40% | 5,757 |
| Q1 2025 | $46.8M | $38.7M | $8.0M | $8.0M | $-14K | -0.12% | 3.17% | 2.74% | 5,852 |
| Q4 2024 | $44.7M | $36.6M | $8.7M | $8.0M | $161K | 0.36% | 3.23% | 4.30% | 5,949 |
| Q3 2024 | $46.9M | $38.6M | $8.9M | $8.0M | $139K | 0.40% | 3.06% | 5.09% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.80% | 0.65% | 58th | |
Return on equity Annualized net income ÷ equity or net worth | 4.5% | 4.4% | 51st | |
Net interest margin Interest income − interest expense, ÷ assets | 3.71% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 6,031 |
| Q2 2024 | $47.8M | $39.6M | $9.4M | $7.9M | $87K | 0.36% | 2.99% | 3.86% | 6,128 |
Loan mix (Q2 2026): real estate $142K · commercial $0 · consumer $7.1M · securities $30.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 77.1% | 80.6% | 41st |
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.
5 branches in 1 county across 1 state (+0 vs 2025). Biggest market: Shelby, TN, ranked 45th with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Shelby, TN | 5 | $37.5M* | 0.09% | 45th |
Tennessee: 226th with 0.01% · Memphis metro: 59th, 0.07% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 5 · 2023 5 · 2024 5 · 2025 5 · 2026 5