| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.3% | +4.1% | -1.8 pts |
| Share growth (YoY) | +2.0% | +3.5% | -1.5 pts |
| Loan growth (YoY) | +6.6% | +2.9% | +3.7 pts |
| ROA | 0.17% | 0.74% | -0.6 pts |
| ROE | 1.7% | 6.5% | -4.8 pts |
ROA ranks in the 10th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $251.9M | $226.2M | $182.2M | $25.5M | $217K | 0.17% | 3.26% | 1.72% | 18,754 |
| Q1 2026 | $249.1M | $223.7M | $180.8M | $25.5M | $294K | 0.47% | 3.25% | 1.42% | 18,650 |
| Q4 2025 | $244.9M | $219.2M | $178.5M | $25.2M | $1.4M | 0.58% | 3.30% | 1.48% | 18,803 |
| Q3 2025 | $246.9M | $221.8M | $180.4M | $24.9M | $1.0M | 0.56% | 3.24% | 1.56% | 18,945 |
| Q2 2025 | $246.2M | $221.7M | $170.9M | $24.5M | $650K | 0.53% | 3.17% | 1.84% | 19,102 |
| Q1 2025 | $240.0M | $216.8M | $160.6M | $24.1M | $292K | 0.49% | 3.17% | 2.03% | 19,289 |
| Q4 2024 | $234.9M | $212.5M | $156.5M | $23.8M | $1.4M | 0.61% | 3.18% | 2.57% | 19,586 |
| Q3 2024 | $238.7M | $215.9M | $152.2M | $23.5M | $1.1M | 0.61% | 3.13% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.17% | 0.74% | 10th | |
Return on equity Annualized net income ÷ equity or net worth | 1.7% | 6.5% | 10th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.26% | 3.67% |
Peer lists, growth filters, CSV export, CRM push.
| 2.26% |
| 19,639 |
| Q2 2024 | $239.6M | $217.3M | $151.8M | $23.1M | $656K | 0.55% | 3.05% | 1.74% | 19,765 |
Loan mix (Q2 2026): real estate $118.8M · commercial $20.9M · consumer $32.1M · securities $27.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 87.8% | 77.5% | 83rd |
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.
7 branches in 3 counties across 2 states (+0 vs 2025). Biggest market: Shelby, TN, ranked 30th with 0.4% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Shelby, TN | 5 | $161.6M* | 0.40% | 30th |
| Grenada, MS | 1 | $32.3M* | 4.49% | 8th |
| DeSoto, MS | 1 | $32.3M* | 0.63% | 19th |
Tennessee: 159th with 0.06% · Mississippi: 95th with 0.07% · Memphis metro: 40th, 0.38% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 8 · 2023 8 · 2024 7 · 2025 7 · 2026 7