Select Seven Federal Credit Union
Total assets
$62.8M
▲ +3.5% YoY
Shares & deposits
$53.4M
▲ +2.8% YoY
Loans
$47.3M
▲ +0.1% YoY
Members
5,213
▼ -4.4% YoY
ROA (annualized)
0.81%
peers 0.60%
ROE (annualized)
6.05%
peers 4.10%
Peer comparison 2,508 credit unions with <100M in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.5% | +1.3% | +2.2 pts |
| Share growth (YoY) | +2.8% | +0.7% | +2.2 pts |
| Loan growth (YoY) | +0.1% | -2.4% | +2.4 pts |
| ROA | 0.81% | 0.60% | +0.2 pts |
| ROE | 6.1% | 4.1% | +2.0 pts |
ROA ranks in the 60th percentile of its peer group · Q1 2026
Profile
- Established
- 1949
- Charter
- FCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 4
- Address
- 181 Marketplace Blvd, Johnson City, TN, 37604
- NCUA charter #
- 6079
- RSSD ID
- 109387
- 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 | $62.8M | $53.4M | $47.3M | $8.4M | $127K | 0.81% | 3.44% | 0.07% | 5,213 |
| Q4 2025 | $62.2M | $53.5M | $47.6M | $8.3M | $673K | 1.08% | 3.43% | 0.09% | 5,270 |
| Q3 2025 | $63.3M | $54.3M | $47.7M | $8.2M | $523K | 1.10% | 3.33% | 0.01% | 5,352 |
| Q2 2025 | $61.4M | $52.6M | $47.1M | $8.0M | $374K | 1.22% | 3.35% | 0.05% | 5,385 |
| Q1 2025 | $60.7M | $51.9M | $47.2M | $7.9M | $219K | 1.45% | 3.32% | 0.14% | 5,455 |
| Q4 2024 | $59.4M | $51.3M | $47.6M | $7.6M | $836K | 1.41% | 3.10% | 0.18% | 5,498 |
| Q3 2024 | $60.5M | $52.0M | $47.2M | $7.5M | $697K | 1.54% | 3.01% | 0.09% | 5,682 |
| Q2 2024 | $58.6M | $50.1M | $48.2M | $7.0M | $155K | 0.53% | 3.04% | 0.07% | 5,747 |
Loan mix (Q1 2026): real estate $19.6M · commercial $0 · consumer $26.0M · securities $335K
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 | 0.81% | 0.60% | 60th | |
Return on equity Annualized net income ÷ equity or net worth | 6.1% | 4.1% | 64th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.44% | 3.83% | 33th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 78.9% | 81.5% | 43th | |
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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