| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.8% | +1.3% | +4.5 pts |
| Share growth (YoY) | +6.1% | +0.9% | +5.2 pts |
| Loan growth (YoY) | -4.2% | -2.6% | -1.5 pts |
| ROA | 0.21% | 0.65% | -0.4 pts |
| ROE | 2.2% | 4.4% | -2.2 pts |
ROA ranks in the 28th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $53.2M | $47.9M | $32.4M | $5.2M | $57K | 0.21% | 3.55% | 1.29% | 5,391 |
| Q1 2026 | $53.3M | $48.0M | $31.7M | $5.2M | $5K | 0.04% | 3.41% | 1.66% | 6,886 |
| Q4 2025 | $52.4M | $47.1M | $32.4M | $5.2M | $257K | 0.49% | 3.95% | 2.75% | 6,859 |
| Q3 2025 | $52.9M | $47.3M | $32.7M | $5.1M | $30K | 0.08% | 3.44% | 1.18% | 6,912 |
| Q2 2025 | $50.3M | $45.1M | $33.8M | $5.0M | $97K | 0.38% | 3.56% | 0.59% | 6,857 |
| Q1 2025 | $49.5M | $44.2M | $33.1M | $4.9M | $32K | 0.26% | 3.54% | 0.90% | 6,766 |
| Q4 2024 | $47.1M | $43.7M | $33.8M | $4.9M | $186K | 0.40% | 3.89% | 1.47% | 5,620 |
| Q3 2024 | $48.5M | $44.8M | $34.7M | $4.9M | $151K | 0.41% | 3.88% | 0.30% |
| Ratio | Vanderbilt Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.21% | 0.65% | 28th | |
Return on equity Annualized net income ÷ equity or net worth | 2.2% | 4.4% | 33rd | |
Net interest margin Interest income − interest expense, ÷ assets | 3.55% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 5,629 |
| Q2 2024 | $48.1M | $44.2M | $34.8M | $4.8M | $104K | 0.43% | 3.93% | 0.23% | 5,691 |
Loan mix (Q2 2026): real estate $21.2M · commercial $0 · consumer $11.2M · securities $14.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 95.1% | 80.6% | 81st |
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 | Vanderbilt 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 | Vanderbilt 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 | Vanderbilt 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 | Vanderbilt 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 | Vanderbilt 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.
3 branches in 2 counties across 2 states (+1 vs 2025). Biggest market: Davidson, TN, ranked 43rd with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Davidson, TN | 2 | $31.9M* | 0.05% | 43rd |
| Mecklenburg, NC | 1 | $16.0M* | 0.00% | 53rd |
Tennessee: 235th with 0.01% · North Carolina: 151st with 0.00% · Nashville-Davidson--Murfreesboro--Franklin metro: 78th, 0.03% · Charlotte-Concord-Gastonia metro: 71st, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 2 · 2025 2 · 2026 3