Scenic Community
Hixson, TN · Charter 67747 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 5 branches
Q2 2026
$163.8MAssets
$138.2MLoans
$147.5MShares
$15.4MNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 70% of credit unions under $1B in assets (rank 509 of 1683).
- Widest gap: return on equity trails 88% of credit unions under $1B in assets (rank 1476 of 1681).
- Overall: at or above the peer median on 1 of 7 directional measures.
Return on Assets
0.00%
Rank 1,477 of 1,683
Net Interest Margin
4.20%
Rank 509 of 1,683
Efficiency Ratio
86.69%
Rank 1,253 of 1,682
Equity / Assets
9.37%
Rank 1,453 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.00% | 0.35% | 0.74% | 1.18% | Beats 12% | 1,477 / 1,683 | |
| Return on Equity | 0.03% | 2.67% | 5.89% | 8.74% | Beats 12% | 1,476 / 1,681 | |
| Net Interest Margin | 4.20% | 3.31% | 3.82% | 4.32% | Beats 70% | 509 / 1,683 | |
| Efficiency Ratio | 86.69% | 68.91% | 78.20% | 86.93% | Beats 26% | 1,253 / 1,682 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.46% | 0.26% | 0.65% | 1.29% | Beats 22% | 1,312 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 9.37% | 10.44% | 12.89% | 16.53% | Beats 14% | 1,453 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 9.37% | 10.44% | 12.89% | 16.53% | Beats 14% | 1,453 / 1,683 | |
| Liquidity & Funding |
| Loans / Deposits | 93.69% | 52.61% | 69.38% | 83.50% | 92nd pctl | 142 / 1,683 | |
| Loans / Assets | 84.37% | 44.71% | 59.18% | 70.72% | 97th pctl | 53 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |