Hiwassee River
Charleston, TN · Charter 67946 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 2 branches
Q2 2026
$27.5MAssets
$11.5MLoans
$24.4MShares
$3.0MNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 83% of credit unions under $1B in assets (rank 289 of 1682).
- Widest gap: net interest margin trails 90% of credit unions under $1B in assets (rank 1520 of 1683).
- Overall: at or above the peer median on 1 of 7 directional measures.
Return on Assets
0.40%
Rank 1,227 of 1,683
Net Interest Margin
2.86%
Rank 1,520 of 1,683
Efficiency Ratio
87.80%
Rank 1,298 of 1,682
Equity / Assets
10.94%
Rank 1,166 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.40% | 0.35% | 0.74% | 1.18% | Beats 27% | 1,227 / 1,683 | | |
| Return on Equity | 3.66% | 2.67% | 5.89% | 8.74% | Beats 33% | 1,134 / 1,681 | | |
| Net Interest Margin | 2.86% | 3.31% | 3.82% | 4.32% | Beats 10% | 1,520 / 1,683 | | |
| Efficiency Ratio | 87.80% | 68.91% | 78.20% | 86.93% | Beats 23% | 1,298 / 1,682 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.15% | 0.26% | 0.65% | 1.29% | Beats 83% | 289 / 1,682 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 10.94% | 10.44% | 12.89% | 16.53% | Beats 31% | 1,166 / 1,683 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 10.94% | 10.44% | 12.89% | 16.53% | Beats 31% | 1,166 / 1,683 | | |
| Liquidity & Funding |
| Loans / Deposits | 47.12% | 52.61% | 69.38% | 83.50% | 19th pctl | 1,368 / 1,683 | | |
| Loans / Assets | 41.82% | 44.71% | 59.18% | 70.72% | 21st pctl | 1,323 / 1,683 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |