| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.2% | +1.3% | -0.1 pts |
| Share growth (YoY) | +0.5% | +0.9% | -0.4 pts |
| Loan growth (YoY) | +9.8% | -2.6% | +12.5 pts |
| ROA | 0.76% | 0.65% | +0.1 pts |
| ROE | 7.3% | 4.4% | +3.0 pts |
ROA ranks in the 56th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $54.7M | $48.6M | $12.7M | $5.7M | $209K | 0.76% | 3.39% | 0.62% | 3,946 |
| Q1 2026 | $55.9M | $49.8M | $12.4M | $5.5M | $77K | 0.55% | 3.24% | 0.55% | 3,970 |
| Q4 2025 | $55.5M | $49.6M | $11.9M | $5.5M | $441K | 0.80% | 3.06% | 0.47% | 3,983 |
| Q3 2025 | $54.6M | $48.9M | $11.8M | $5.3M | $299K | 0.73% | 3.07% | 0.54% | 3,997 |
| Q2 2025 | $54.0M | $48.4M | $11.6M | $5.2M | $180K | 0.67% | 3.06% | 0.24% | 4,006 |
| Q1 2025 | $53.0M | $47.6M | $11.8M | $5.1M | $58K | 0.44% | 3.09% | 0.48% | 4,044 |
| Q4 2024 | $51.5M | $46.2M | $12.2M | $5.0M | $486K | 0.94% | 3.27% | 0.38% | 4,034 |
| Q3 2024 | $51.8M | $46.6M | $12.6M | $4.9M | $358K | 0.92% | 3.22% | 0.15% |
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.76% | 0.65% | 56th | |
Return on equity Annualized net income ÷ equity or net worth | 7.3% | 4.4% | 72nd | |
Net interest margin Interest income − interest expense, ÷ assets | 3.39% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 4,044 |
| Q2 2024 | $51.0M | $46.0M | $13.0M | $4.8M | $225K | 0.88% | 3.21% | 0.52% | 4,068 |
Loan mix (Q2 2026): real estate $1.3M · commercial $0 · consumer $9.8M · securities $32.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 81.3% | 80.6% | 52nd |
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.
2 branches in 1 county across 1 state (+0 vs 2025). Biggest market: Madison, TN, ranked 11th with 1.5% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Madison, TN | 2 | $48.6M* | 1.47% | 11th |
Tennessee: 222nd with 0.02% · Jackson metro: 15th, 0.94% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2 · 2026 2