| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.0% | +1.3% | -0.3 pts |
| Share growth (YoY) | -0.3% | +0.9% | -1.2 pts |
| Loan growth (YoY) | -11.9% | -2.6% | -9.3 pts |
| ROA | 0.05% | 0.65% | -0.6 pts |
| ROE | 0.3% | 4.4% | -4.0 pts |
ROA ranks in the 21st percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $91.6M | $76.0M | $31.9M | $12.9M | $22K | 0.05% | 4.17% | 0.66% | 9,192 |
| Q1 2026 | $92.6M | $76.6M | $33.4M | $13.0M | $13K | 0.06% | 4.15% | 0.53% | 9,457 |
| Q4 2025 | $89.1M | $74.0M | $35.0M | $12.9M | $96K | 0.11% | 4.40% | 0.53% | 9,601 |
| Q3 2025 | $90.8M | $75.8M | $35.6M | $13.7M | $227K | 0.33% | 4.26% | 0.76% | 9,640 |
| Q2 2025 | $90.7M | $76.2M | $36.3M | $13.8M | $294K | 0.65% | 4.23% | 0.55% | 9,730 |
| Q1 2025 | $92.2M | $76.8M | $37.8M | $13.7M | $154K | 0.67% | 3.84% | 0.76% | 9,715 |
| Q4 2024 | $88.2M | $73.6M | $39.3M | $13.6M | $1.2M | 1.31% | 4.36% | 1.66% | 10,005 |
| Q3 2024 | $89.5M | $75.4M | $41.4M | $13.5M | $1.1M | 1.70% | 4.29% | 0.88% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.05% | 0.65% | 21st | |
Return on equity Annualized net income ÷ equity or net worth | 0.3% | 4.4% | 21st | |
Net interest margin Interest income − interest expense, ÷ assets | 4.17% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 10,582 |
| Q2 2024 | $89.7M | $75.0M | $42.9M | $13.4M | $1.0M | 2.31% | 4.28% | 0.73% | 10,731 |
Loan mix (Q2 2026): real estate $831 · commercial $0 · consumer $30.9M · securities $28.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 93.2% | 80.6% | 78th |
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.
4 branches in 1 county across 1 state (+1 vs 2025). Biggest market: Shelby, TN, ranked 39th with 0.2% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Shelby, TN | 4 | $76.0M* | 0.19% | 39th |
Tennessee: 200th with 0.03% · Memphis metro: 52nd, 0.15% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 3 · 2023 3 · 2024 3 · 2025 3 · 2026 4