Trust
Chattanooga, TN · Charter 24629 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 3 branches
Q2 2026
$141.8MAssets
$106.2MLoans
$123.7MShares
$16.5MNet Worth
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 38% of credit unions under $1B in assets (rank 1050 of 1683).
- Widest gap: nonperforming loans / loans trails 94% of credit unions under $1B in assets (rank 1575 of 1682).
- Overall: at or above the peer median on 0 of 7 directional measures.
Return on Assets
0.36%
Rank 1,251 of 1,683
Net Interest Margin
3.45%
Rank 1,156 of 1,683
Efficiency Ratio
89.00%
Rank 1,349 of 1,682
Equity / Assets
11.65%
Rank 1,050 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.36% | 0.35% | 0.74% | 1.18% | Beats 26% | 1,251 / 1,683 | |
| Return on Equity | 3.11% | 2.67% | 5.89% | 8.74% | Beats 29% | 1,200 / 1,681 | |
| Net Interest Margin | 3.45% | 3.31% | 3.82% | 4.32% | Beats 31% | 1,156 / 1,683 | |
| Efficiency Ratio | 89.00% | 68.91% | 78.20% | 86.93% | Beats 20% | 1,349 / 1,682 | |
| Asset Quality |
| Nonperforming Loans / Loans | 3.41% | 0.26% | 0.65% | 1.29% | Beats 6% | 1,575 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 11.65% | 10.44% | 12.89% | 16.53% | Beats 38% | 1,050 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 11.65% | 10.44% | 12.89% | 16.53% | Beats 38% | 1,050 / 1,683 | |
| Liquidity & Funding |
| Loans / Deposits | 85.84% | 52.61% | 69.38% | 83.50% | 79th pctl | 348 / 1,683 | |
| Loans / Assets | 74.90% | 44.71% | 59.18% | 70.72% | 83rd pctl | 288 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |