Resource Federal Credit Union
Total assets
$55.9M
▲ +5.3% YoY
Shares & deposits
$49.8M
▲ +4.7% YoY
Loans
$12.4M
▲ +5.0% YoY
Members
3,970
▼ -1.8% YoY
ROA (annualized)
0.55%
peers 0.60%
ROE (annualized)
5.57%
peers 4.10%
Peer comparison 2,508 credit unions with <100M in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.3% | +1.3% | +4.0 pts |
| Share growth (YoY) | +4.7% | +0.7% | +4.1 pts |
| Loan growth (YoY) | +5.0% | -2.4% | +7.4 pts |
| ROA | 0.55% | 0.60% | -0.1 pts |
| ROE | 5.6% | 4.1% | +1.5 pts |
ROA ranks in the 47th percentile of its peer group · Q1 2026
Profile
- Established
- 1963
- Charter
- FCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 4
- Address
- 525 Old Hickory Blvd, Jackson, TN, 38305
- NCUA charter #
- 24575
- RSSD ID
- 255994
- 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 | $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% | 4,044 |
| Q2 2024 | $51.0M | $46.0M | $13.0M | $4.8M | $225K | 0.88% | 3.21% | 0.52% | 4,068 |
Loan mix (Q1 2026): real estate $1.2M · commercial $0 · consumer $9.6M · securities $30.6M
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 | 0.55% | 0.60% | 47th | |
Return on equity Annualized net income ÷ equity or net worth | 5.6% | 4.1% | 61th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.24% | 3.83% | 26th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 85.8% | 81.5% | 60th | |
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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