Greater Experience
Johnson City, TN · Charter 67701 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 3 branches
Q2 2026
$56.4MAssets
$37.2MLoans
$48.3MShares
$7.9MNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 73% of credit unions under $1B in assets (rank 458 of 1683).
- Widest gap: return on equity trails 90% of credit unions under $1B in assets (rank 1515 of 1681).
- Overall: at or above the peer median on 3 of 7 directional measures.
Return on Assets
-0.11%
Rank 1,516 of 1,683
Net Interest Margin
4.26%
Rank 458 of 1,683
Efficiency Ratio
94.91%
Rank 1,506 of 1,682
Equity / Assets
14.00%
Rank 674 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | -0.11% | 0.35% | 0.74% | 1.18% | Beats 10% | 1,516 / 1,683 | | |
| Return on Equity | -0.81% | 2.67% | 5.89% | 8.74% | Beats 10% | 1,515 / 1,681 | | |
| Net Interest Margin | 4.26% | 3.31% | 3.82% | 4.32% | Beats 73% | 458 / 1,683 | | |
| Efficiency Ratio | 94.91% | 68.91% | 78.20% | 86.93% | Beats 11% | 1,506 / 1,682 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.47% | 0.26% | 0.65% | 1.29% | Beats 22% | 1,315 / 1,682 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 14.00% | 10.44% | 12.89% | 16.53% | Beats 60% | 674 / 1,683 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 14.00% | 10.44% | 12.89% | 16.53% | Beats 60% | 674 / 1,683 | | |
| Liquidity & Funding |
| Loans / Deposits | 76.91% | 52.61% | 69.38% | 83.50% | 64th pctl | 612 / 1,683 | | |
| Loans / Assets | 65.88% | 44.71% | 59.18% | 70.72% | 64th pctl | 605 / 1,683 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |