| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.0% | +1.3% | +4.7 pts |
| Share growth (YoY) | +6.7% | +0.9% | +5.7 pts |
| Loan growth (YoY) | +11.9% | -2.6% | +14.5 pts |
| ROA | 0.09% | 0.65% | -0.6 pts |
| ROE | 0.5% | 4.4% | -3.8 pts |
ROA ranks in the 22nd percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $81.3M | $67.5M | $40.4M | $13.2M | $36K | 0.09% | 3.25% | 0.76% | 4,104 |
| Q1 2026 | $80.8M | $67.1M | $39.1M | $13.1M | $-221K | -1.09% | 3.09% | 0.80% | 4,080 |
| Q4 2025 | $80.0M | $65.9M | $37.0M | $13.3M | $292K | 0.37% | 2.95% | 1.25% | 4,300 |
| Q3 2025 | $76.3M | $62.7M | $36.8M | $13.2M | $196K | 0.34% | 3.04% | 0.87% | 4,309 |
| Q2 2025 | $76.7M | $63.3M | $36.1M | $13.1M | $108K | 0.28% | 2.96% | 1.07% | 4,313 |
| Q1 2025 | $75.8M | $62.8M | $35.9M | $13.3M | $68K | 0.36% | 2.87% | 0.73% | 4,385 |
| Q4 2024 | $73.6M | $60.9M | $35.4M | $13.3M | $336K | 0.46% | 2.84% | 1.33% | 4,454 |
| Q3 2024 | $72.6M | $59.9M | $35.5M | $13.1M | $181K | 0.33% | 2.84% | 1.39% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.09% | 0.65% | 22nd | |
Return on equity Annualized net income ÷ equity or net worth | 0.5% | 4.4% | 22nd | |
Net interest margin Interest income − interest expense, ÷ assets | 3.25% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 4,474 |
| Q2 2024 | $70.3M | $58.5M | $34.9M | $12.9M | $13K | 0.04% | 2.84% | 1.21% | 4,454 |
Loan mix (Q2 2026): real estate $19.7M · commercial $0 · consumer $19.3M · securities $26.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 72.4% | 80.6% | 31st |
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 2025). Biggest market: Davidson, TN, ranked 35th with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Davidson, TN | 1 | $67.5M* | 0.10% | 35th |
Tennessee: 206th with 0.02% · Nashville-Davidson--Murfreesboro--Franklin metro: 70th, 0.06% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1