Enrichment
Oak Ridge, TN · Charter 6778 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 9 branches
Q2 2026
$984.4MAssets
$720.3MLoans
$860.5MShares
$120.0MNet Worth
Executive Summary
- Strongest standing: return on equity outperforms 89% of credit unions under $1B in assets (rank 188 of 1681).
- Widest gap: net interest margin trails 75% of credit unions under $1B in assets (rank 1269 of 1683).
- Overall: at or above the peer median on 4 of 7 directional measures.
Return on Assets
1.37%
Rank 304 of 1,683
Net Interest Margin
3.31%
Rank 1,269 of 1,683
Efficiency Ratio
62.18%
Rank 224 of 1,682
Equity / Assets
12.19%
Rank 963 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.37% | 0.35% | 0.74% | 1.18% | Beats 82% | 304 / 1,683 | |
| Return on Equity | 11.24% | 2.67% | 5.89% | 8.74% | Beats 89% | 188 / 1,681 | |
| Net Interest Margin | 3.31% | 3.31% | 3.82% | 4.32% | Beats 25% | 1,269 / 1,683 | |
| Efficiency Ratio | 62.18% | 68.91% | 78.20% | 86.93% | Beats 87% | 224 / 1,682 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.37% | 0.26% | 0.65% | 1.29% | Beats 68% | 540 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 12.19% | 10.44% | 12.89% | 16.53% | Beats 43% | 963 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 12.19% | 10.44% | 12.89% | 16.53% | Beats 43% | 963 / 1,683 | |
| Liquidity & Funding |
| Loans / Deposits | 83.70% | 52.61% | 69.38% | 83.50% | 75th pctl | 415 / 1,683 | |
| Loans / Assets | 73.17% | 44.71% | 59.18% | 70.72% | 80th pctl | 336 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |