Healthcare Services
Chattanooga, TN · Charter 68173 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 2 branches
Q2 2026
$26.1MAssets
$14.3MLoans
$22.0MShares
$3.9MNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 91% of credit unions under $1B in assets (rank 157 of 1682).
- Widest gap: efficiency ratio trails 84% of credit unions under $1B in assets (rank 1411 of 1682).
- Overall: at or above the peer median on 4 of 7 directional measures.
Return on Assets
0.47%
Rank 1,163 of 1,683
Net Interest Margin
3.95%
Rank 706 of 1,683
Efficiency Ratio
90.96%
Rank 1,411 of 1,682
Equity / Assets
15.00%
Rank 553 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.47% | 0.35% | 0.74% | 1.18% | Beats 31% | 1,163 / 1,683 | |
| Return on Equity | 3.17% | 2.67% | 5.89% | 8.74% | Beats 29% | 1,193 / 1,681 | |
| Net Interest Margin | 3.95% | 3.31% | 3.82% | 4.32% | Beats 58% | 706 / 1,683 | |
| Efficiency Ratio | 90.96% | 68.91% | 78.20% | 86.93% | Beats 16% | 1,411 / 1,682 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.03% | 0.26% | 0.65% | 1.29% | Beats 91% | 157 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 15.00% | 10.44% | 12.89% | 16.53% | Beats 67% | 553 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 15.00% | 10.44% | 12.89% | 16.53% | Beats 67% | 553 / 1,683 | |
| Liquidity & Funding |
| Loans / Deposits | 64.85% | 52.61% | 69.38% | 83.50% | 42nd pctl | 981 / 1,683 | |
| Loans / Assets | 54.65% | 44.71% | 59.18% | 70.72% | 42nd pctl | 982 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |