Outreach Federal Credit Union
Total assets
$34.6M
▲ +4.6% YoY
Shares & deposits
$30.6M
▲ +4.6% YoY
Loans
$16.8M
▼ -6.3% YoY
Members
2,146
▼ -1.8% YoY
ROA (annualized)
0.15%
peers 0.60%
ROE (annualized)
1.37%
peers 4.10%
Peer comparison 2,508 credit unions with <100M in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.6% | +1.3% | +3.3 pts |
| Share growth (YoY) | +4.6% | +0.7% | +3.9 pts |
| Loan growth (YoY) | -6.3% | -2.4% | -4.0 pts |
| ROA | 0.15% | 0.60% | -0.5 pts |
| ROE | 1.4% | 4.1% | -2.7 pts |
ROA ranks in the 28th percentile of its peer group · Q1 2026
Profile
- Established
- 1953
- Charter
- FCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 3
- Address
- 3904 Central Pike, Hermitage, TN, 37076
- NCUA charter #
- 8922
- RSSD ID
- 146784
- 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 | $34.6M | $30.6M | $16.8M | $3.8M | $13K | 0.15% | 2.86% | 0.08% | 2,146 |
| Q4 2025 | $34.4M | $30.4M | $16.9M | $3.8M | $122K | 0.36% | 3.20% | 0.55% | 2,143 |
| Q3 2025 | $33.9M | $29.9M | $17.3M | $3.8M | $95K | 0.37% | 3.25% | 0.68% | 2,168 |
| Q2 2025 | $32.7M | $28.8M | $17.6M | $3.7M | $46K | 0.28% | 3.28% | 0.76% | 2,165 |
| Q1 2025 | $33.1M | $29.2M | $18.0M | $3.9M | $21K | 0.25% | 3.18% | 0.25% | 2,186 |
| Q4 2024 | $33.0M | $29.0M | $18.0M | $3.8M | $56K | 0.17% | 2.74% | 0.51% | 2,191 |
| Q3 2024 | $29.5M | $26.0M | $16.9M | $3.3M | $44K | 0.20% | 2.94% | 0.00% | 1,883 |
| Q2 2024 | $28.9M | $25.5M | $16.7M | $3.3M | $22K | 0.15% | 2.82% | 0.35% | 1,886 |
Loan mix (Q1 2026): real estate $5.9M · commercial $435K · consumer $9.1M · securities $9.2M
Ratio pack Q1 2026 · peer medians from 2508 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.15% | 0.60% | 28th | |
Return on equity Annualized net income ÷ equity or net worth | 1.4% | 4.1% | 30th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.86% | 3.83% | 15th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 89.7% | 81.5% | 68th | |
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 | 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% |
Capital
| 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% |
Credit quality
| 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% |
Franchise
| 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% |
12 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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