Cemc Employees
Clarksville, TN · Charter 68149 · Peer group: credit unions under $1B in assets (n=1,748-1,753)
NCUA · 2 branches
Q2 2024
$2.5MAssets
$1.7MLoans
$2.1MShares
$373KNet Worth
Executive Summary
- Strongest standing: equity / assets outperforms 73% of credit unions under $1B in assets (rank 480 of 1752).
- Widest gap: efficiency ratio trails 100% of credit unions under $1B in assets (rank 1743 of 1748).
- Overall: at or above the peer median on 3 of 7 directional measures.
Return on Assets
-5.10%
Rank 1,735 of 1,753
Net Interest Margin
2.35%
Rank 1,596 of 1,752
Efficiency Ratio
321%
Rank 1,743 of 1,748
Equity / Assets
15.09%
Rank 480 of 1,752
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | -5.10% | 0.23% | 0.68% | 1.19% | Beats 1% | 1,735 / 1,753 | |
| Return on Equity | -33.78% | 1.80% | 5.29% | 9.05% | Beats 2% | 1,720 / 1,750 | |
| Net Interest Margin | 2.35% | 2.98% | 3.54% | 4.20% | Beats 9% | 1,596 / 1,752 | |
| Efficiency Ratio | 321% | 69.58% | 78.86% | 88.33% | Beats 0% | 1,743 / 1,748 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.36% | 0.22% | 0.59% | 1.20% | Beats 65% | 618 / 1,748 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 15.07% | 9.91% | 12.21% | 15.57% | Beats 72% | 484 / 1,753 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 15.09% | 9.91% | 12.21% | 15.57% | Beats 73% | 480 / 1,752 | |
| Liquidity & Funding |
| Loans / Deposits | 79.32% | 55.88% | 73.01% | 86.61% | 61st pctl | 680 / 1,750 | |
| Loans / Assets | 66.99% | 48.21% | 62.51% | 73.23% | 60th pctl | 709 / 1,752 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |