| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.9% | +1.3% | +2.6 pts |
| Share growth (YoY) | +3.6% | +0.9% | +2.7 pts |
| Loan growth (YoY) | +1.2% | -2.6% | +3.8 pts |
| ROA | 0.97% | 0.65% | +0.3 pts |
| ROE | 4.4% | 4.4% | +0.1 pts |
ROA ranks in the 66th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.0M | $797K | $609K | $225K | $5K | 0.97% | 3.28% | 0.00% | 238 |
| Q1 2026 | $1.0M | $802K | $548K | $222K | $3K | 1.03% | 3.31% | 0.00% | 238 |
| Q4 2025 | $1.0M | $792K | $610K | $220K | $9K | 0.84% | 3.25% | 0.00% | 241 |
| Q3 2025 | $1.0M | $795K | $622K | $218K | $7K | 0.88% | 3.30% | 0.00% | 239 |
| Q2 2025 | $992K | $770K | $602K | $215K | $4K | 0.82% | 3.64% | 0.00% | 240 |
| Q1 2025 | $1.0M | $807K | $583K | $213K | $2K | 0.73% | 3.80% | 0.00% | 240 |
| Q4 2024 | $1.0M | $810K | $620K | $211K | $9K | 0.89% | 2.99% | 0.00% | 240 |
| Q3 2024 | $1.1M | $839K | $612K | $209K | $7K | 0.93% | 2.97% | 0.00% | 240 |
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.97% | 0.65% | 66th | |
Return on equity Annualized net income ÷ equity or net worth | 4.4% | 4.4% | 50th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.28% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 |
| $1.0M |
| $831K |
| $644K |
| $207K |
| $5K |
| 0.96% |
| 2.91% |
| 0.00% |
| 239 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $609K · securities $219K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 69.1% | 80.6% | 24th |
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: Weakley, TN, ranked 10th with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Weakley, TN | 1 | $797K* | 0.08% | 10th |
Tennessee: 314th with 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1