| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -8.3% | +1.3% | -9.6 pts |
| Share growth (YoY) | -9.8% | +0.9% | -10.7 pts |
| Loan growth (YoY) | -11.3% | -2.6% | -8.7 pts |
| ROA | 0.09% | 0.65% | -0.6 pts |
| ROE | 0.5% | 4.4% | -3.9 pts |
ROA ranks in the 23rd percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $3.2M | $2.7M | $808K | $562K | $1K | 0.09% | 2.84% | 0.00% | 187 |
| Q1 2026 | $3.3M | $2.7M | $873K | $562K | $2K | 0.20% | 2.99% | 0.00% | 167 |
| Q4 2025 | $3.4M | $2.8M | $889K | $560K | $2K | 0.07% | 2.81% | 0.00% | 171 |
| Q3 2025 | $3.4M | $2.8M | $945K | $569K | $11K | 0.44% | 3.15% | 0.00% | 173 |
| Q2 2025 | $3.5M | $2.9M | $911K | $566K | $8K | 0.45% | 3.05% | 0.00% | 175 |
| Q1 2025 | $3.5M | $3.0M | $900K | $562K | $4K | 0.41% | 3.01% | 0.00% | 175 |
| Q4 2024 | $3.5M | $3.0M | $849K | $558K | $3K | 0.07% | 2.58% | 0.00% | 176 |
| Q3 2024 | $3.5M | $2.9M | $924K | $576K | $20K | 0.78% | 3.24% | 0.00% | 175 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.09% | 0.65% | 23rd | |
Return on equity Annualized net income ÷ equity or net worth | 0.5% | 4.4% | 22nd | |
Net interest margin Interest income − interest expense, ÷ assets | 2.84% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 |
| $3.6M |
| $3.0M |
| $958K |
| $570K |
| $15K |
| 0.81% |
| 3.10% |
| 0.00% |
| 180 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $720K · securities $1.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 98.9% | 80.6% | 86th |
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.
2 branches in 1 county across 1 state (+0 vs 2025). Biggest market: Shelby, TN, ranked 69th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Shelby, TN | 2 | $2.7M* | 0.01% | 69th |
Tennessee: 303rd with 0.00% · Memphis metro: 86th, 0.01% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 2 · 2024 2 · 2025 2 · 2026 2