| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.7% | +4.1% | -3.4 pts |
| Share growth (YoY) | +1.4% | +3.5% | -2.2 pts |
| Loan growth (YoY) | +6.0% | +2.9% | +3.2 pts |
| ROA | 0.00% | 0.74% | -0.7 pts |
| ROE | 0.0% | 6.5% | -6.5 pts |
ROA ranks in the 5th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $163.8M | $147.5M | $138.2M | $15.4M | $2K | 0.00% | 4.20% | 1.46% | 14,577 |
| Q1 2026 | $160.8M | $145.6M | $126.5M | $15.2M | $-181K | -0.45% | 4.16% | 1.21% | 14,213 |
| Q4 2025 | $158.8M | $142.7M | $130.1M | $15.4M | $-418K | -0.26% | 4.68% | 1.06% | 14,159 |
| Q3 2025 | $164.2M | $146.6M | $130.9M | $16.1M | $-266K | -0.22% | 4.49% | 0.63% | 14,689 |
| Q2 2025 | $162.6M | $145.5M | $130.3M | $16.3M | $-107K | -0.13% | 4.50% | 0.56% | 14,772 |
| Q1 2025 | $161.5M | $144.9M | $130.3M | $16.2M | $-124K | -0.31% | 4.49% | 0.61% | 14,656 |
| Q4 2024 | $162.7M | $141.8M | $133.2M | $16.4M | $397K | 0.24% | 3.98% | 0.53% | 14,674 |
| Q3 2024 | $164.6M | $140.4M | $136.3M | $17.2M | $635K | 0.51% | 3.86% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.00% | 0.74% | 5th | |
Return on equity Annualized net income ÷ equity or net worth | 0.0% | 6.5% | 5th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.20% | 3.67% |
Peer lists, growth filters, CSV export, CRM push.
| 0.86% |
| 15,095 |
| Q2 2024 | $162.4M | $138.7M | $133.7M | $17.2M | $680K | 0.84% | 3.86% | 0.34% | 14,958 |
Loan mix (Q2 2026): real estate $14.3M · commercial $3.5M · consumer $119.3M · securities $15.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 86.7% | 77.5% | 81st |
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.
5 branches in 1 county across 1 state (+0 vs 2025). Biggest market: Hamilton, TN, ranked 16th with 1.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Hamilton, TN | 5 | $147.5M* | 0.99% | 16th |
Tennessee: 165th with 0.05% · Chattanooga metro: 21st, 0.78% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 4 · 2023 4 · 2024 4 · 2025 5 · 2026 5