Bowater Employees
Calhoun, TN · Charter 67970 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 6 branches
Q2 2026
$302.6MAssets
$217.6MLoans
$267.9MShares
$32.6MNet Worth
Executive Summary
- Strongest standing: return on equity outperforms 98% of credit unions under $1B in assets (rank 35 of 1681).
- Widest gap: equity / assets trails 71% of credit unions under $1B in assets (rank 1198 of 1683).
- Overall: at or above the peer median on 4 of 7 directional measures.
Return on Assets
1.74%
Rank 150 of 1,683
Net Interest Margin
4.56%
Rank 299 of 1,683
Efficiency Ratio
64.30%
Rank 274 of 1,682
Equity / Assets
10.77%
Rank 1,198 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.74% | 0.35% | 0.74% | 1.18% | Beats 91% | 150 / 1,683 | | |
| Return on Equity | 16.13% | 2.67% | 5.89% | 8.74% | Beats 98% | 35 / 1,681 | | |
| Net Interest Margin | 4.56% | 3.31% | 3.82% | 4.32% | Beats 82% | 299 / 1,683 | | |
| Efficiency Ratio | 64.30% | 68.91% | 78.20% | 86.93% | Beats 84% | 274 / 1,682 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.74% | 0.26% | 0.65% | 1.29% | Beats 46% | 910 / 1,682 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 10.77% | 10.44% | 12.89% | 16.53% | Beats 29% | 1,198 / 1,683 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 10.77% | 10.44% | 12.89% | 16.53% | Beats 29% | 1,198 / 1,683 | | |
| Liquidity & Funding |
| Loans / Deposits | 81.24% | 52.61% | 69.38% | 83.50% | 72nd pctl | 476 / 1,683 | | |
| Loans / Assets | 71.92% | 44.71% | 59.18% | 70.72% | 77th pctl | 381 / 1,683 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |