| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.6% | +5.1% | -1.5 pts |
| Share growth (YoY) | +4.1% | +4.9% | -0.7 pts |
| Loan growth (YoY) | +7.2% | +5.4% | +1.8 pts |
| ROA | 0.13% | 0.71% | -0.6 pts |
| ROE | 0.7% | 6.3% | -5.6 pts |
ROA ranks in the 7th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $1.30B | $1.03B | $1.09B | $239.4M | $413K | 0.13% | 3.23% | 0.56% | 69,342 |
| Q4 2025 | $1.28B | $1.02B | $1.08B | $239.0M | $2.5M | 0.19% | 3.29% | 0.97% | 68,213 |
| Q3 2025 | $1.29B | $1.02B | $1.06B | $241.3M | $1.9M | 0.20% | 3.26% | 0.55% | 67,877 |
| Q2 2025 | $1.28B | $1.01B | $1.05B | $240.8M | $1.4M | 0.21% | 3.25% | 0.60% | 67,904 |
| Q1 2025 | $1.25B | $992.5M | $1.01B | $240.1M | $680K | 0.22% | 3.28% | 0.50% | 67,682 |
| Q4 2024 | $1.22B | $962.3M | $1.01B | $239.4M | $641K | 0.05% | 3.50% | 0.91% | 67,939 |
| Q3 2024 | $1.23B | $964.9M | $994.7M | $244.0M | $2.2M | 0.24% | 3.51% | 0.62% | 67,696 |
| Q2 2024 | $1.25B | $984.0M | $990.7M | $243.1M | $1.3M | 0.20% | 3.47% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.13% | 0.71% | 7th | |
Return on equity Annualized net income ÷ equity or net worth | 0.7% | 6.3% | 6th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.23% | 3.32% |
Peer lists, growth filters, CSV export, CRM push.
| 0.81% |
| 69,658 |
Loan mix (Q1 2026): real estate $340.5M · commercial $456.3M · consumer $214.0M · securities $6.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 87.9% | 73.0% | 94th |
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.
12 branches in 2 counties across 2 states (+0 vs 2024). Biggest market: Shelby, TN, ranked 7th with 2.7% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Shelby, TN | 11 | $930.2M* | 2.70% | 7th |
| Pulaski, AR | 1 | $84.6M* | 0.27% | 26th |
Tennessee: 46th with 0.35% · Arkansas: 100th with 0.08% · Memphis metro: 10th, 2.17% · Little Rock-North Little Rock-Conway metro: 31st, 0.21% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 12 · 2023 12 · 2024 12 · 2025 12