| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.0% | +1.3% | +3.7 pts |
| Share growth (YoY) | +2.9% | +0.9% | +1.9 pts |
| Loan growth (YoY) | -6.7% | -2.6% | -4.1 pts |
| ROA | 1.95% | 0.65% | +1.3 pts |
| ROE | 11.6% | 4.4% | +7.2 pts |
ROA ranks in the 94th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $71.3M | $59.3M | $35.7M | $12.0M | $695K | 1.95% | 4.00% | 0.40% | 5,532 |
| Q1 2026 | $70.6M | $58.9M | $36.3M | $11.6M | $337K | 1.91% | 3.97% | 0.52% | 5,516 |
| Q4 2025 | $68.6M | $57.3M | $36.9M | $11.3M | $1.7M | 2.42% | 4.21% | 1.17% | 5,532 |
| Q3 2025 | $67.4M | $56.5M | $38.0M | $10.9M | $1.2M | 2.46% | 4.27% | 0.59% | 5,583 |
| Q2 2025 | $67.9M | $57.7M | $38.2M | $10.3M | $643K | 1.90% | 4.17% | 0.16% | 5,554 |
| Q1 2025 | $68.8M | $59.1M | $38.2M | $9.8M | $138K | 0.80% | 4.03% | 0.41% | 5,534 |
| Q4 2024 | $66.9M | $57.1M | $38.9M | $9.6M | $1.5M | 2.22% | 3.94% | 1.11% | 5,519 |
| Q3 2024 | $66.0M | $56.8M | $38.4M | $9.2M | $1.0M | 2.05% | 3.94% | 0.47% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.95% | 0.65% | 94th | |
Return on equity Annualized net income ÷ equity or net worth | 11.6% | 4.4% | 91st | |
Net interest margin Interest income − interest expense, ÷ assets | 4.00% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 5,508 |
| Q2 2024 | $64.5M | $55.7M | $37.5M | $8.8M | $639K | 1.98% | 3.95% | 0.49% | 5,476 |
Loan mix (Q2 2026): real estate $6.4M · commercial $0 · consumer $26.4M · securities $25.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 47.8% | 80.6% | 4th |
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.
3 branches in 1 county across 1 state (+0 vs 2025). Biggest market: Putnam, TN, ranked 16th with 1.6% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Putnam, TN | 3 | $59.3M* | 1.62% | 16th |
Tennessee: 213th with 0.02% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 3 · 2023 3 · 2024 3 · 2025 3 · 2026 3