| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.1% | +1.3% | -2.4 pts |
| Share growth (YoY) | -3.3% | +0.7% | -4.0 pts |
| Loan growth (YoY) | +0.9% | -2.4% | +3.2 pts |
| ROA | 1.96% | 0.60% | +1.4 pts |
| ROE | 5.9% | 4.1% | +1.8 pts |
ROA ranks in the 93rd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $16.4M | $11.0M | $10.2M | $5.4M | $80K | 1.96% | 4.69% | 0.02% | 1,561 |
| Q4 2025 | $16.0M | $10.7M | $10.2M | $5.3M | $210K | 1.32% | 4.95% | 0.02% | 1,575 |
| Q3 2025 | $16.0M | $10.7M | $10.3M | $5.3M | $254K | 2.12% | 4.82% | 0.01% | 1,584 |
| Q2 2025 | $16.3M | $11.1M | $10.1M | $5.2M | $130K | 1.59% | 4.89% | 0.06% | 1,589 |
| Q1 2025 | $16.6M | $11.4M | $10.1M | $5.2M | $16K | 0.38% | 4.43% | 0.19% | 1,587 |
| Q4 2024 | $16.3M | $11.2M | $10.1M | $5.1M | $126K | 0.77% | 4.29% | 0.28% | 1,590 |
| Q3 2024 | $17.1M | $12.0M | $10.1M | $5.1M | $-286K | -2.23% | 4.00% | 0.53% | 1,626 |
| Q2 2024 | $17.4M | $12.4M | $9.3M | $5.0M | $59K | 0.68% | 3.76% | 1.53% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.96% | 0.60% | 93rd | |
Return on equity Annualized net income ÷ equity or net worth | 5.9% | 4.1% | 63rd | |
Net interest margin Interest income − interest expense, ÷ assets | 4.69% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 1,653 |
Loan mix (Q1 2026): real estate $2.0M · commercial $0 · consumer $7.0M · securities $4.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 58.6% | 81.5% | 11th |
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 2024). Biggest market: Hardin, TN, ranked 7th with 1.4% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Hardin, TN | 1 | $11.1M* | 1.38% | 7th |
Tennessee: 268th with 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1