Old Hickory Credit Union
Total assets
$346.0M
▲ +1.5% YoY
Shares & deposits
$309.4M
▲ +0.5% YoY
Loans
$219.7M
▼ -4.9% YoY
Members
21,656
▲ +0.3% YoY
ROA (annualized)
0.76%
peers 0.69%
ROE (annualized)
7.38%
peers 5.95%
Peer comparison 1,070 credit unions with 100M-500M in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.5% | +3.9% | -2.4 pts |
| Share growth (YoY) | +0.5% | +3.3% | -2.8 pts |
| Loan growth (YoY) | -4.9% | +2.9% | -7.8 pts |
| ROA | 0.76% | 0.69% | +0.1 pts |
| ROE | 7.4% | 5.9% | +1.4 pts |
ROA ranks in the 55th percentile of its peer group · Q1 2026
Profile
- Established
- 1934
- Charter
- FISCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 5
- Address
- Po Box 140478, Nashville, TN, 37214
- NCUA charter #
- 67982
- RSSD ID
- 442495
- 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 | $346.0M | $309.4M | $219.7M | $35.5M | $656K | 0.76% | 4.06% | 0.76% | 21,656 |
| Q4 2025 | $342.0M | $304.5M | $222.1M | $34.9M | $2.8M | 0.82% | 4.04% | 1.01% | 21,797 |
| Q3 2025 | $338.1M | $302.3M | $229.6M | $34.7M | $2.2M | 0.88% | 4.04% | 1.51% | 21,571 |
| Q2 2025 | $342.3M | $307.7M | $227.8M | $34.0M | $1.6M | 0.92% | 3.92% | 1.71% | 21,568 |
| Q1 2025 | $340.9M | $307.8M | $231.0M | $33.0M | $529K | 0.62% | 3.85% | 1.50% | 21,595 |
| Q4 2024 | $333.6M | $299.0M | $235.9M | $32.5M | $2.5M | 0.75% | 3.68% | 1.47% | 21,638 |
| Q3 2024 | $327.0M | $295.4M | $241.6M | $32.2M | $1.9M | 0.77% | 3.69% | 1.26% | 21,727 |
| Q2 2024 | $334.4M | $302.1M | $244.1M | $31.0M | $670K | 0.40% | 3.54% | 1.01% | 21,727 |
Loan mix (Q1 2026): real estate $94.2M · commercial $20.8M · consumer $102.7M · securities $66.1M
Ratio pack Q1 2026 · peer medians from 1070 institutions
Profitability
| Ratio | Old Hickory Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.76% | 0.69% | 55th | |
Return on equity Annualized net income ÷ equity or net worth | 7.4% | 5.9% | 62th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.06% | 3.62% | 77th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 76.3% | 78.7% | 42th | |
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 | Old Hickory 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 | Old Hickory 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 | Old Hickory 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 | Old Hickory 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.
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