| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.6% | +1.3% | +0.3 pts |
| Share growth (YoY) | +1.9% | +0.9% | +1.0 pts |
| Loan growth (YoY) | -2.3% | -2.6% | +0.4 pts |
| ROA | 0.66% | 0.65% | +0.0 pts |
| ROE | 3.3% | 4.4% | -1.1 pts |
ROA ranks in the 51st percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $31.0M | $24.9M | $14.2M | $6.2M | $103K | 0.66% | 4.66% | 0.92% | 2,955 |
| Q1 2026 | $30.6M | $24.4M | $13.9M | $6.2M | $77K | 1.01% | 4.68% | 0.61% | 2,956 |
| Q4 2025 | $30.1M | $24.2M | $14.4M | $6.1M | $165K | 0.55% | 4.64% | 1.08% | 2,951 |
| Q3 2025 | $30.4M | $24.3M | $14.7M | $6.1M | $115K | 0.50% | 4.53% | 1.10% | 2,939 |
| Q2 2025 | $30.5M | $24.5M | $14.5M | $6.0M | $67K | 0.44% | 4.39% | 0.82% | 2,946 |
| Q1 2025 | $31.1M | $25.0M | $14.6M | $6.1M | $92K | 1.19% | 4.16% | 1.05% | 2,939 |
| Q4 2024 | $30.7M | $24.7M | $14.1M | $6.0M | $107K | 0.35% | 4.12% | 1.91% | 2,899 |
| Q3 2024 | $31.3M | $25.3M | $14.3M | $5.9M | $73K | 0.31% | 3.97% | 0.73% |
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.66% | 0.65% | 51st | |
Return on equity Annualized net income ÷ equity or net worth | 3.3% | 4.4% | 42nd | |
Net interest margin Interest income − interest expense, ÷ assets | 4.66% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 2,913 |
| Q2 2024 | $30.9M | $25.0M | $14.5M | $5.9M | $28K | 0.18% | 3.89% | 2.03% | 2,922 |
Loan mix (Q2 2026): real estate $1.4M · commercial $0 · consumer $12.5M · securities $10.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 75.7% | 80.6% | 37th |
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.
1 branches in 1 county across 1 state (+0 vs 2025). Biggest market: Davidson, TN, ranked 47th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Davidson, TN | 1 | $24.9M* | 0.04% | 47th |
Tennessee: 249th with 0.01% · Nashville-Davidson--Murfreesboro--Franklin metro: 84th, 0.02% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1