United Southeast
Bristol, TN · Charter 4714 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 6 branches
Q2 2026
$256.0MAssets
$159.8MLoans
$220.6MShares
$34.5MNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 66% of credit unions under $1B in assets (rank 579 of 1682).
- Widest gap: return on equity trails 64% of credit unions under $1B in assets (rank 1082 of 1681).
- Overall: at or above the peer median on 4 of 7 directional measures.
Return on Assets
0.55%
Rank 1,076 of 1,683
Net Interest Margin
3.67%
Rank 972 of 1,683
Efficiency Ratio
73.69%
Rank 625 of 1,682
Equity / Assets
13.49%
Rank 750 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.55% | 0.35% | 0.74% | 1.18% | Beats 36% | 1,076 / 1,683 | | |
| Return on Equity | 4.06% | 2.67% | 5.89% | 8.74% | Beats 36% | 1,082 / 1,681 | | |
| Net Interest Margin | 3.67% | 3.31% | 3.82% | 4.32% | Beats 42% | 972 / 1,683 | | |
| Efficiency Ratio | 73.69% | 68.91% | 78.20% | 86.93% | Beats 63% | 625 / 1,682 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.40% | 0.26% | 0.65% | 1.29% | Beats 66% | 579 / 1,682 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 13.49% | 10.44% | 12.89% | 16.53% | Beats 55% | 750 / 1,683 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 13.49% | 10.44% | 12.89% | 16.53% | Beats 55% | 750 / 1,683 | | |
| Liquidity & Funding |
| Loans / Deposits | 72.46% | 52.61% | 69.38% | 83.50% | 56th pctl | 745 / 1,683 | | |
| Loans / Assets | 62.41% | 44.71% | 59.18% | 70.72% | 57th pctl | 716 / 1,683 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |