| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.5% | +1.3% | +6.2 pts |
| Share growth (YoY) | +6.0% | +0.9% | +5.0 pts |
| Loan growth (YoY) | +11.3% | -2.6% | +13.9 pts |
| ROA | 2.07% | 0.65% | +1.4 pts |
| ROE | 15.8% | 4.4% | +11.4 pts |
ROA ranks in the 95th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $31.5M | $26.9M | $21.1M | $4.1M | $326K | 2.07% | 3.87% | 0.97% | 1,587 |
| Q1 2026 | $30.4M | $26.3M | $19.9M | $3.9M | $132K | 1.74% | 3.86% | 0.00% | 1,566 |
| Q4 2025 | $29.7M | $25.7M | $19.2M | $3.8M | $354K | 1.19% | 3.87% | 1.02% | 1,544 |
| Q3 2025 | $29.0M | $25.0M | $19.3M | $3.9M | $418K | 1.92% | 3.96% | 1.20% | 1,502 |
| Q2 2025 | $29.3M | $25.4M | $19.0M | $3.7M | $244K | 1.67% | 3.90% | 0.06% | 1,492 |
| Q1 2025 | $28.4M | $24.6M | $17.8M | $3.6M | $113K | 1.59% | 3.81% | 0.03% | 1,485 |
| Q4 2024 | $28.5M | $24.9M | $16.2M | $3.4M | $262K | 0.92% | 3.55% | 0.06% | 1,486 |
| Q3 2024 | $28.3M | $24.5M | $15.8M | $3.6M | $380K | 1.79% | 3.57% | 0.01% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.07% | 0.65% | 95th | |
Return on equity Annualized net income ÷ equity or net worth | 15.8% | 4.4% | 97th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.87% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 1,477 |
| Q2 2024 | $26.9M | $23.2M | $16.1M | $3.4M | $262K | 1.94% | 3.67% | 0.18% | 1,465 |
Loan mix (Q2 2026): real estate $10.9M · commercial $0 · consumer $8.1M · securities $8.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 56.1% | 80.6% | 8th |
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: Blount, TN, ranked 20th with 0.6% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Blount, TN | 1 | $26.9M* | 0.62% | 20th |
Tennessee: 245th with 0.01% · Knoxville metro: 60th, 0.07% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1