| Metric | P.I.A.S. Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.0% | +1.3% | +4.7 pts |
| Share growth (YoY) | +8.7% | +0.7% | +8.1 pts |
| Loan growth (YoY) | +1.4% | -2.4% | +3.8 pts |
| ROA | 0.34% | 0.60% | -0.3 pts |
| ROE | 2.0% | 4.1% | -2.1 pts |
ROA ranks in the 37th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $4.3M | $3.5M | $2.3M | $733K | $4K | 0.34% | 4.02% | 0.00% | 527 |
| Q4 2025 | $4.3M | $3.5M | $2.2M | $730K | $-142K | -3.33% | 3.84% | 0.00% | 543 |
| Q3 2025 | $4.0M | $3.3M | $2.3M | $874K | $3K | 0.09% | 4.02% | 0.00% | 543 |
| Q2 2025 | $3.9M | $3.2M | $2.4M | $873K | $2K | 0.08% | 4.14% | 0.00% | 556 |
| Q1 2025 | $4.0M | $3.2M | $2.2M | $872K | $1K | 0.11% | 3.98% | 0.00% | 564 |
| Q4 2024 | $4.0M | $3.3M | $2.5M | $871K | $4K | 0.09% | 4.06% | 0.00% | 566 |
| Q3 2024 | $4.2M | $3.4M | $2.5M | $871K | $3K | 0.10% | 3.85% | 0.00% | 576 |
| Q2 2024 | $4.3M | $3.5M | $2.4M | $869K | $2K | 0.08% | 3.72% | 0.00% | 585 |
Loan mix (Q1 2026): real estate $108K · commercial $54K · consumer $2.0M · securities $1.4M
| Ratio | P.I.A.S. Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.34% | 0.60% | 37th | |
Return on equity Annualized net income ÷ equity or net worth | 2.0% | 4.1% | 34th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.02% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 92.0% | 81.5% | 73rd |
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 | P.I.A.S. 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 | P.I.A.S. 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 | P.I.A.S. 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 | P.I.A.S. 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 | P.I.A.S. 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.
1 branches in 1 county across 1 state (+0 vs 2024). Biggest market: Williamson, TN, ranked 40th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Williamson, TN | 1 | $3.2M* | 0.02% | 40th |
Tennessee: 287th with 0.00% · Nashville-Davidson--Murfreesboro--Franklin metro: 91st, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1