| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -11.9% | +1.3% | -13.2 pts |
| Share growth (YoY) | -12.6% | +0.7% | -13.2 pts |
| Loan growth (YoY) | -24.7% | -2.4% | -22.3 pts |
| ROA | 0.03% | 0.60% | -0.6 pts |
| ROE | 0.3% | 4.1% | -3.8 pts |
ROA ranks in the 23rd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $33.8M | $30.1M | $18.4M | $3.6M | $3K | 0.03% | 3.74% | 2.34% | 2,069 |
| Q4 2025 | $34.1M | $30.4M | $19.6M | $3.5M | $-71K | -0.21% | 3.87% | 1.92% | 2,126 |
| Q3 2025 | $33.5M | $29.8M | $20.6M | $3.7M | $-54K | -0.21% | 4.00% | 2.65% | 2,207 |
| Q2 2025 | $37.2M | $33.5M | $22.3M | $3.8M | $32K | 0.17% | 3.50% | 4.33% | 2,251 |
| Q1 2025 | $38.4M | $34.5M | $24.4M | $4.0M | $172K | 1.79% | 3.45% | 3.99% | 2,311 |
| Q4 2024 | $37.5M | $33.8M | $26.2M | $3.8M | $-599K | -1.60% | 3.97% | 3.27% | 2,380 |
| Q3 2024 | $37.2M | $33.5M | $27.8M | $3.9M | $-670K | -2.40% | 4.08% | 4.04% | 2,447 |
| Q2 2024 | $39.4M | $35.5M | $29.9M | $4.0M | $-588K | -2.99% | 3.87% | 2.48% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.03% | 0.60% | 23rd | |
Return on equity Annualized net income ÷ equity or net worth | 0.3% | 4.1% | 23rd | |
Net interest margin Interest income − interest expense, ÷ assets | 3.74% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 2,516 |
Loan mix (Q1 2026): real estate $9.4M · commercial $11K · consumer $8.2M · securities $8.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 91.0% | 81.5% | 71st |
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.
1 branches in 1 county across 1 state (+0 vs 2024). Biggest market: Madison, TN, ranked 13th with 1.4% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Madison, TN | 1 | $33.5M* | 1.36% | 13th |
Tennessee: 230th with 0.01% · Jackson metro: 18th, 0.83% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1