WCG Employees
Martin, TN · Charter 68153 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
$1.0MAssets
$609KLoans
$797KShares
$225KNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 100% of credit unions under $1B in assets (rank 132 of 1682).
- Widest gap: net interest margin trails 76% of credit unions under $1B in assets (rank 1273 of 1683).
- Overall: at or above the peer median on 5 of 7 directional measures.
Return on Assets
0.97%
Rank 618 of 1,683
Net Interest Margin
3.30%
Rank 1,273 of 1,683
Efficiency Ratio
70.59%
Rank 482 of 1,682
Equity / Assets
21.84%
Rank 167 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.97% | 0.35% | 0.74% | 1.18% | Beats 63% | 618 / 1,683 | |
| Return on Equity | 4.44% | 2.67% | 5.89% | 8.74% | Beats 39% | 1,027 / 1,681 | |
| Net Interest Margin | 3.30% | 3.31% | 3.82% | 4.32% | Beats 24% | 1,273 / 1,683 | |
| Efficiency Ratio | 70.59% | 68.91% | 78.20% | 86.93% | Beats 71% | 482 / 1,682 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.26% | 0.65% | 1.29% | Beats 100% | 132 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 21.84% | 10.44% | 12.89% | 16.53% | Beats 90% | 167 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 21.84% | 10.44% | 12.89% | 16.53% | Beats 90% | 167 / 1,683 | |
| Liquidity & Funding |
| Loans / Deposits | 76.41% | 52.61% | 69.38% | 83.50% | 62nd pctl | 633 / 1,683 | |
| Loans / Assets | 59.13% | 44.71% | 59.18% | 70.72% | 50th pctl | 843 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |