Foothills
Loudon, TN · Charter 15015 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 3 branches
Q2 2026
$94.6MAssets
$42.9MLoans
$84.7MShares
$9.5MNet Worth
Executive Summary
- Strongest standing: return on equity outperforms 77% of credit unions under $1B in assets (rank 393 of 1681).
- Widest gap: net interest margin trails 83% of credit unions under $1B in assets (rank 1402 of 1683).
- Overall: at or above the peer median on 3 of 7 directional measures.
Return on Assets
0.90%
Rank 686 of 1,683
Net Interest Margin
3.08%
Rank 1,402 of 1,683
Efficiency Ratio
77.01%
Rank 778 of 1,682
Equity / Assets
9.99%
Rank 1,346 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.90% | 0.35% | 0.74% | 1.18% | Beats 59% | 686 / 1,683 | |
| Return on Equity | 8.97% | 2.67% | 5.89% | 8.74% | Beats 77% | 393 / 1,681 | |
| Net Interest Margin | 3.08% | 3.31% | 3.82% | 4.32% | Beats 17% | 1,402 / 1,683 | |
| Efficiency Ratio | 77.01% | 68.91% | 78.20% | 86.93% | Beats 54% | 778 / 1,682 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.20% | 0.26% | 0.65% | 1.29% | Beats 27% | 1,232 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 9.99% | 10.44% | 12.89% | 16.53% | Beats 20% | 1,346 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 9.99% | 10.44% | 12.89% | 16.53% | Beats 20% | 1,346 / 1,683 | |
| Liquidity & Funding |
| Loans / Deposits | 50.57% | 52.61% | 69.38% | 83.50% | 22nd pctl | 1,311 / 1,683 | |
| Loans / Assets | 45.32% | 44.71% | 59.18% | 70.72% | 26th pctl | 1,249 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |