Resound Credit Union
Total assets
$700.1M
▲ +10.4% YoY
Shares & deposits
$618.3M
▲ +10.6% YoY
Loans
$572.3M
▲ +8.7% YoY
Members
50,001
▲ +2.9% YoY
ROA (annualized)
1.17%
peers 0.62%
ROE (annualized)
11.20%
peers 5.92%
Peer comparison 284 credit unions with 500M-1B in assets
| Metric | Resound Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +10.4% | +4.8% | +5.7 pts |
| Share growth (YoY) | +10.6% | +4.3% | +6.3 pts |
| Loan growth (YoY) | +8.7% | +4.3% | +4.4 pts |
| ROA | 1.17% | 0.62% | +0.5 pts |
| ROE | 11.2% | 5.9% | +5.3 pts |
ROA ranks in the 82nd percentile of its peer group · Q1 2026
Profile
- Established
- 1962
- Charter
- FISCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 6
- Address
- P.O. Box 120729, Nashville, TN, 37212
- NCUA charter #
- 67972
- RSSD ID
- 455299
- 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 | $700.1M | $618.3M | $572.3M | $73.0M | $2.0M | 1.17% | 3.47% | 0.55% | 50,001 |
| Q4 2025 | $677.7M | $599.1M | $572.0M | $70.9M | $7.5M | 1.10% | 3.57% | 0.79% | 49,493 |
| Q3 2025 | $653.7M | $571.5M | $557.2M | $68.9M | $5.4M | 1.11% | 3.63% | 0.82% | 49,552 |
| Q2 2025 | $639.4M | $561.2M | $545.1M | $67.2M | $3.6M | 1.14% | 3.64% | 0.77% | 49,055 |
| Q1 2025 | $634.0M | $558.9M | $526.3M | $65.2M | $1.6M | 1.04% | 3.57% | 0.71% | 48,591 |
| Q4 2024 | $623.9M | $535.7M | $522.0M | $63.5M | $4.4M | 0.71% | 3.38% | 0.83% | 48,394 |
| Q3 2024 | $612.8M | $527.8M | $513.1M | $61.6M | $2.5M | 0.55% | 3.33% | 0.70% | 48,342 |
| Q2 2024 | $600.4M | $527.9M | $498.6M | $60.6M | $1.5M | 0.50% | 3.25% | 0.59% | 48,112 |
Loan mix (Q1 2026): real estate $146.7M · commercial $33.5M · consumer $389.0M · securities $34.9M
Ratio pack Q1 2026 · peer medians from 284 institutions
Profitability
| Ratio | Resound Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.17% | 0.62% | 82th | |
Return on equity Annualized net income ÷ equity or net worth | 11.2% | 5.9% | 87th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.47% | 3.48% | 50th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 66.2% | 78.3% | 16th | |
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 | Resound 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 | Resound 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 | Resound 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 | Resound 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.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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