| Metric | New South Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +9.9% | +1.3% | +8.6 pts |
| Share growth (YoY) | +10.0% | +0.9% | +9.1 pts |
| Loan growth (YoY) | -8.5% | -2.6% | -5.8 pts |
| ROA | 1.64% | 0.65% | +1.0 pts |
| ROE | 11.0% | 4.4% | +6.6 pts |
ROA ranks in the 88th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $90.3M | $76.1M | $33.4M | $13.5M | $739K | 1.64% | 3.44% | 0.11% | 6,739 |
| Q1 2026 | $90.3M | $76.6M | $33.6M | $13.1M | $368K | 1.63% | 3.39% | 0.05% | 6,745 |
| Q4 2025 | $86.3M | $73.0M | $34.3M | $12.7M | $1.0M | 1.20% | 3.33% | 0.40% | 6,748 |
| Q3 2025 | $84.1M | $70.8M | $35.3M | $12.8M | $1.0M | 1.59% | 3.50% | 0.11% | 6,745 |
| Q2 2025 | $82.2M | $69.2M | $36.5M | $12.5M | $715K | 1.74% | 3.69% | 0.25% | 6,752 |
| Q1 2025 | $80.9M | $68.4M | $36.2M | $12.2M | $353K | 1.75% | 3.65% | 0.08% | 6,734 |
| Q4 2024 | $78.5M | $66.3M | $36.4M | $11.8M | $763K | 0.97% | 3.26% | 0.44% | 6,759 |
| Q3 2024 | $77.5M | $65.3M | $37.0M | $11.9M | $750K | 1.29% | 3.39% | 0.11% |
| Ratio | New South Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.64% | 0.65% | 88th | |
Return on equity Annualized net income ÷ equity or net worth | 11.0% | 4.4% | 89th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.44% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 6,781 |
| Q2 2024 | $76.8M | $64.8M | $35.9M | $11.7M | $496K | 1.29% | 3.37% | 0.05% | 6,767 |
Loan mix (Q2 2026): real estate $5.4M · commercial $0 · consumer $24.1M · securities $45.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 63.3% | 80.6% | 15th |
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 | New South 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 | New South 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 | New South 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 | New South 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 | New South 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.
3 branches in 3 counties across 1 state (+0 vs 2025). Biggest market: Knox, TN, ranked 44th with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Knox, TN | 1 | $25.4M* | 0.10% | 44th |
| Grainger, TN | 1 | $25.4M* | 9.48% | 2nd |
| Union, TN | 1 | $25.4M* | 6.01% | 5th |
Tennessee: 199th with 0.03% · Knoxville metro: 41st, 0.21% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 3 · 2023 3 · 2024 3 · 2025 3 · 2026 3