| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -4.9% | +1.3% | -6.2 pts |
| Share growth (YoY) | -7.4% | +0.7% | -8.1 pts |
| Loan growth (YoY) | +0.6% | -2.4% | +3.0 pts |
| ROA | 1.83% | 0.60% | +1.2 pts |
| ROE | 9.9% | 4.1% | +5.8 pts |
ROA ranks in the 91st percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $37.9M | $30.6M | $26.7M | $7.0M | $173K | 1.83% | 5.06% | 0.11% | 3,230 |
| Q4 2025 | $37.0M | $29.6M | $26.7M | $6.9M | $592K | 1.60% | 4.31% | 0.57% | 3,228 |
| Q3 2025 | $38.1M | $31.0M | $27.1M | $6.7M | $420K | 1.47% | 4.14% | 1.27% | 3,213 |
| Q2 2025 | $39.1M | $32.2M | $27.1M | $6.6M | $254K | 1.30% | 3.95% | 0.97% | 3,208 |
| Q1 2025 | $39.8M | $33.0M | $26.5M | $6.4M | $209K | 2.10% | 4.66% | 0.98% | 3,198 |
| Q4 2024 | $39.8M | $33.1M | $26.9M | $6.3M | $424K | 1.07% | 3.48% | 1.15% | 3,184 |
| Q3 2024 | $38.2M | $31.6M | $26.9M | $6.2M | $316K | 1.11% | 3.56% | 1.40% | 3,177 |
| Q2 2024 | $36.0M | $29.6M | $26.7M | $6.1M | $195K | 1.08% | 3.68% | 1.24% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.83% | 0.60% | 91st | |
Return on equity Annualized net income ÷ equity or net worth | 9.9% | 4.1% | 84th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.06% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 3,160 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $23.9M · securities $3.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 61.6% | 81.5% | 14th |
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.
1 branches in 1 county across 1 state (+0 vs 2024). Biggest market: Davidson, TN, ranked 45th with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Davidson, TN | 1 | $32.2M* | 0.05% | 45th |
Tennessee: 233rd with 0.01% · Nashville-Davidson--Murfreesboro--Franklin metro: 74th, 0.03% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1