| Metric | Ten Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.6% | +3.9% | -5.5 pts |
| Share growth (YoY) | -6.9% | +3.3% | -10.2 pts |
| Loan growth (YoY) | -1.3% | +2.9% | -4.2 pts |
| ROA | 0.12% | 0.69% | -0.6 pts |
| ROE | 1.4% | 5.9% | -4.5 pts |
ROA ranks in the 12th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $394.4M | $340.8M | $237.3M | $33.6M | $119K | 0.12% | 3.17% | 0.14% | 18,401 |
| Q4 2025 | $399.4M | $346.2M | $240.6M | $33.5M | $1.2M | 0.30% | 2.99% | 0.24% | 18,702 |
| Q3 2025 | $395.3M | $342.0M | $243.1M | $33.0M | $560K | 0.19% | 2.96% | 0.46% | 18,942 |
| Q2 2025 | $400.8M | $353.7M | $238.0M | $32.7M | $227K | 0.11% | 2.89% | 0.27% | 19,158 |
| Q1 2025 | $401.0M | $366.2M | $240.4M | $32.5M | $55K | 0.06% | 2.83% | 0.16% | 19,366 |
| Q4 2024 | $403.5M | $369.7M | $248.4M | $32.5M | $1.0M | 0.26% | 2.85% | 0.38% | 19,633 |
| Q3 2024 | $411.9M | $378.3M | $258.3M | $30.7M | $-842K | -0.27% | 2.84% | 0.43% | 19,916 |
| Q2 2024 | $420.8M | $379.7M | $269.4M | $30.6M | $-936K | -0.44% | 2.78% |
| Ratio | Ten Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.12% | 0.69% | 12th | |
Return on equity Annualized net income ÷ equity or net worth | 1.4% | 5.9% | 14th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.17% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.39% |
| 20,386 |
Loan mix (Q1 2026): real estate $190.1M · commercial $0 · consumer $42.9M · securities $126.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 92.2% | 78.7% | 89th |
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 | Ten Credit Union | 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 | Ten Credit Union | 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 | Ten Credit Union | 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 | Ten Credit Union | 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 | Ten Credit Union | 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 5 counties across 1 state (+0 vs 2024). Biggest market: Davidson, TN, ranked 26th with 0.3% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Davidson, TN | 3 | $151.6M* | 0.26% | 26th |
| Sumner, TN | 1 | $50.5M* | 0.83% | 23rd |
| Putnam, TN | 1 | $50.5M* | 1.43% | 17th |
| 2 more counties with Pro → | ||||
Tennessee: 99th with 0.13% · Nashville-Davidson--Murfreesboro--Franklin metro: 43rd, 0.24% · Johnson City metro: 17th, 0.75% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 9 · 2023 9 · 2024 7 · 2025 7