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Johnson City, TN · Charter 6079 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 3 branches
Q2 2026
$62.4MAssets
$47.1MLoans
$52.9MShares
$8.5MNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 81% of credit unions under $1B in assets (rank 327 of 1682).
- Widest gap: net interest margin trails 68% of credit unions under $1B in assets (rank 1143 of 1683).
- Overall: at or above the peer median on 6 of 7 directional measures.
Return on Assets
0.82%
Rank 763 of 1,683
Net Interest Margin
3.48%
Rank 1,143 of 1,683
Efficiency Ratio
78.14%
Rank 837 of 1,682
Equity / Assets
13.67%
Rank 723 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.82% | 0.35% | 0.74% | 1.18% | Beats 55% | 763 / 1,683 | |
| Return on Equity | 5.98% | 2.67% | 5.89% | 8.74% | Beats 51% | 824 / 1,681 | |
| Net Interest Margin | 3.48% | 3.31% | 3.82% | 4.32% | Beats 32% | 1,143 / 1,683 | |
| Efficiency Ratio | 78.14% | 68.91% | 78.20% | 86.93% | Beats 50% | 837 / 1,682 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.18% | 0.26% | 0.65% | 1.29% | Beats 81% | 327 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 13.67% | 10.44% | 12.89% | 16.53% | Beats 57% | 723 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 13.67% | 10.44% | 12.89% | 16.53% | Beats 57% | 723 / 1,683 | |
| Liquidity & Funding |
| Loans / Deposits | 88.88% | 52.61% | 69.38% | 83.50% | 84th pctl | 261 / 1,683 | |
| Loans / Assets | 75.48% | 44.71% | 59.18% | 70.72% | 84th pctl | 268 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |