I B E W 175
Chattanooga, TN · Charter 14634 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
$13.8MAssets
$9.1MLoans
$11.2MShares
$2.5MNet Worth
Executive Summary
- Strongest standing: return on assets outperforms 99% of credit unions under $1B in assets (rank 9 of 1683).
- Widest gap: nonperforming loans / loans trails 95% of credit unions under $1B in assets (rank 1604 of 1682).
- Overall: at or above the peer median on 6 of 7 directional measures.
Return on Assets
3.21%
Rank 9 of 1,683
Net Interest Margin
6.08%
Rank 36 of 1,683
Efficiency Ratio
45.87%
Rank 38 of 1,682
Equity / Assets
17.81%
Rank 338 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 3.21% | 0.35% | 0.74% | 1.18% | Beats 99% | 9 / 1,683 | |
| Return on Equity | 18.04% | 2.67% | 5.89% | 8.74% | Beats 99% | 17 / 1,681 | |
| Net Interest Margin | 6.08% | 3.31% | 3.82% | 4.32% | Beats 98% | 36 / 1,683 | |
| Efficiency Ratio | 45.87% | 68.91% | 78.20% | 86.93% | Beats 98% | 38 / 1,682 | |
| Asset Quality |
| Nonperforming Loans / Loans | 4.05% | 0.26% | 0.65% | 1.29% | Beats 5% | 1,604 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 17.81% | 10.44% | 12.89% | 16.53% | Beats 80% | 338 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 17.81% | 10.44% | 12.89% | 16.53% | Beats 80% | 338 / 1,683 | |
| Liquidity & Funding |
| Loans / Deposits | 81.22% | 52.61% | 69.38% | 83.50% | 72nd pctl | 478 / 1,683 | |
| Loans / Assets | 66.12% | 44.71% | 59.18% | 70.72% | 65th pctl | 594 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |