Bcbst Employees
Chattanooga, TN · Charter 67738 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
$8.3MAssets
$1.9MLoans
$6.2MShares
$2.1MNet Worth
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 95% of credit unions under $1B in assets (rank 90 of 1683).
- Widest gap: efficiency ratio trails 75% of credit unions under $1B in assets (rank 1266 of 1682).
- Overall: at or above the peer median on 5 of 7 directional measures.
Return on Assets
0.81%
Rank 766 of 1,683
Net Interest Margin
4.43%
Rank 362 of 1,683
Efficiency Ratio
87.01%
Rank 1,266 of 1,682
Equity / Assets
25.64%
Rank 90 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.81% | 0.35% | 0.74% | 1.18% | Beats 54% | 766 / 1,683 | |
| Return on Equity | 3.18% | 2.67% | 5.89% | 8.74% | Beats 29% | 1,191 / 1,681 | |
| Net Interest Margin | 4.43% | 3.31% | 3.82% | 4.32% | Beats 78% | 362 / 1,683 | |
| Efficiency Ratio | 87.01% | 68.91% | 78.20% | 86.93% | Beats 25% | 1,266 / 1,682 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.10% | 0.26% | 0.65% | 1.29% | Beats 86% | 237 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 25.64% | 10.44% | 12.89% | 16.53% | Beats 95% | 90 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 25.64% | 10.44% | 12.89% | 16.53% | Beats 95% | 90 / 1,683 | |
| Liquidity & Funding |
| Loans / Deposits | 30.90% | 52.61% | 69.38% | 83.50% | 5th pctl | 1,592 / 1,683 | |
| Loans / Assets | 22.87% | 44.71% | 59.18% | 70.72% | 4th pctl | 1,615 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |