Happy Valley
Elizabethton, TN · Charter 68097 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
$36.9MAssets
$9.5MLoans
$30.4MShares
$6.7MNet Worth
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 81% of credit unions under $1B in assets (rank 318 of 1683).
- Widest gap: net interest margin trails 66% of credit unions under $1B in assets (rank 1104 of 1683).
- Overall: at or above the peer median on 5 of 7 directional measures.
Return on Assets
1.09%
Rank 504 of 1,683
Net Interest Margin
3.52%
Rank 1,104 of 1,683
Efficiency Ratio
70.72%
Rank 490 of 1,682
Equity / Assets
18.25%
Rank 318 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.09% | 0.35% | 0.74% | 1.18% | Beats 70% | 504 / 1,683 | |
| Return on Equity | 5.97% | 2.67% | 5.89% | 8.74% | Beats 51% | 828 / 1,681 | |
| Net Interest Margin | 3.52% | 3.31% | 3.82% | 4.32% | Beats 34% | 1,104 / 1,683 | |
| Efficiency Ratio | 70.72% | 68.91% | 78.20% | 86.93% | Beats 71% | 490 / 1,682 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.82% | 0.26% | 0.65% | 1.29% | Beats 42% | 976 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 18.25% | 10.44% | 12.89% | 16.53% | Beats 81% | 318 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 18.25% | 10.44% | 12.89% | 16.53% | Beats 81% | 318 / 1,683 | |
| Liquidity & Funding |
| Loans / Deposits | 31.30% | 52.61% | 69.38% | 83.50% | 6th pctl | 1,590 / 1,683 | |
| Loans / Assets | 25.81% | 44.71% | 59.18% | 70.72% | 5th pctl | 1,591 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |