New South Credit Union
Total assets
$90.3M
▲ +11.6% YoY
Shares & deposits
$76.6M
▲ +12.0% YoY
Loans
$33.6M
▼ -7.0% YoY
Members
6,745
▲ +0.2% YoY
ROA (annualized)
1.63%
peers 0.60%
ROE (annualized)
11.23%
peers 4.10%
Peer comparison 2,508 credit unions with <100M in assets
| Metric | New South Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +11.6% | +1.3% | +10.3 pts |
| Share growth (YoY) | +12.0% | +0.7% | +11.3 pts |
| Loan growth (YoY) | -7.0% | -2.4% | -4.6 pts |
| ROA | 1.63% | 0.60% | +1.0 pts |
| ROE | 11.2% | 4.1% | +7.1 pts |
ROA ranks in the 88th percentile of its peer group · Q1 2026
Profile
- Established
- 1952
- Charter
- FISCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 4
- Address
- 3261 N Mall Rd, Knoxville, TN, 37924
- NCUA charter #
- 60645
- RSSD ID
- 587592
- Latest call report
- Q1 2026
Total assets last 8 quarters
Members last 8 quarters
Quarterly financials NCUA 5300 call report
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| 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% | 6,781 |
| Q2 2024 | $76.8M | $64.8M | $35.9M | $11.7M | $496K | 1.29% | 3.37% | 0.05% | 6,767 |
Loan mix (Q1 2026): real estate $5.5M · commercial $0 · consumer $24.3M · securities $44.3M
Ratio pack Q1 2026 · peer medians from 2508 institutions
Profitability
| Ratio | New South Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.63% | 0.60% | 88th | |
Return on equity Annualized net income ÷ equity or net worth | 11.2% | 4.1% | 89th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.39% | 3.83% | 31th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 60.4% | 81.5% | 13th | |
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% |
Balance sheet
| 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% |
Capital
| 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% |
Credit quality
| 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% |
Franchise
| 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% |
12 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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