Scenic Community Credit Union
Total assets
$160.8M
▼ -0.4% YoY
Shares & deposits
$145.6M
▲ +0.5% YoY
Loans
$126.5M
▼ -2.9% YoY
Members
14,213
▼ -3.0% YoY
ROA (annualized)
-0.45%
peers 0.69%
ROE (annualized)
-4.77%
peers 5.95%
Peer comparison 1,070 credit unions with 100M-500M in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.4% | +3.9% | -4.3 pts |
| Share growth (YoY) | +0.5% | +3.3% | -2.8 pts |
| Loan growth (YoY) | -2.9% | +2.9% | -5.8 pts |
| ROA | -0.45% | 0.69% | -1.1 pts |
| ROE | -4.8% | 5.9% | -10.7 pts |
ROA ranks in the 3rd percentile of its peer group · Q1 2026
Profile
- Established
- 1954
- Charter
- FISCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 5
- Address
- 4503 Hixson Pike, Hixson, TN, 37343
- NCUA charter #
- 67747
- RSSD ID
- 514495
- 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 | $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% | 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 (Q1 2026): real estate $13.6M · commercial $3.5M · consumer $108.7M · securities $17.3M
Ratio pack Q1 2026 · peer medians from 1070 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.45% | 0.69% | 3th | |
Return on equity Annualized net income ÷ equity or net worth | -4.8% | 5.9% | 3th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.16% | 3.62% | 81th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 88.0% | 78.7% | 80th | |
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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