Patriot Equity
Jackson, TN · Charter 60082 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
$33.0MAssets
$17.5MLoans
$29.3MShares
$3.6MNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 52% of credit unions under $1B in assets (rank 802 of 1683).
- Widest gap: nonperforming loans / loans trails 92% of credit unions under $1B in assets (rank 1547 of 1682).
- Overall: at or above the peer median on 1 of 7 directional measures.
Return on Assets
0.04%
Rank 1,466 of 1,683
Net Interest Margin
3.86%
Rank 802 of 1,683
Efficiency Ratio
89.07%
Rank 1,351 of 1,682
Equity / Assets
10.76%
Rank 1,204 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.04% | 0.35% | 0.74% | 1.18% | Beats 13% | 1,466 / 1,683 | |
| Return on Equity | 0.34% | 2.67% | 5.89% | 8.74% | Beats 13% | 1,465 / 1,681 | |
| Net Interest Margin | 3.86% | 3.31% | 3.82% | 4.32% | Beats 52% | 802 / 1,683 | |
| Efficiency Ratio | 89.07% | 68.91% | 78.20% | 86.93% | Beats 20% | 1,351 / 1,682 | |
| Asset Quality |
| Nonperforming Loans / Loans | 2.92% | 0.26% | 0.65% | 1.29% | Beats 8% | 1,547 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 10.76% | 10.44% | 12.89% | 16.53% | Beats 28% | 1,204 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 10.76% | 10.44% | 12.89% | 16.53% | Beats 28% | 1,204 / 1,683 | |
| Liquidity & Funding |
| Loans / Deposits | 59.81% | 52.61% | 69.38% | 83.50% | 34th pctl | 1,108 / 1,683 | |
| Loans / Assets | 53.05% | 44.71% | 59.18% | 70.72% | 39th pctl | 1,025 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |