TVA Community Credit Union
Muscle Shoals, AL · Charter 68559 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 10 branches
Q2 2026
$429.0MAssets
$173.0MLoans
$373.4MShares
$78.9MNet Worth
Executive Summary
- Strongest standing: efficiency ratio outperforms 88% of credit unions under $1B in assets (rank 199 of 1682).
- Widest gap: net interest margin trails 95% of credit unions under $1B in assets (rank 1602 of 1683).
- Overall: at or above the peer median on 6 of 7 directional measures.
Return on Assets
1.08%
Rank 511 of 1,683
Net Interest Margin
2.59%
Rank 1,602 of 1,683
Efficiency Ratio
60.84%
Rank 199 of 1,682
Equity / Assets
18.38%
Rank 311 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.08% | 0.35% | 0.74% | 1.18% | Beats 70% | 511 / 1,683 | |
| Return on Equity | 5.87% | 2.67% | 5.89% | 8.74% | Beats 50% | 848 / 1,681 | |
| Net Interest Margin | 2.59% | 3.31% | 3.82% | 4.32% | Beats 5% | 1,602 / 1,683 | |
| Efficiency Ratio | 60.84% | 68.91% | 78.20% | 86.93% | Beats 88% | 199 / 1,682 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.32% | 0.26% | 0.65% | 1.29% | Beats 71% | 488 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 18.38% | 10.44% | 12.89% | 16.53% | Beats 82% | 311 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 18.38% | 10.44% | 12.89% | 16.53% | Beats 82% | 311 / 1,683 | |
| Liquidity & Funding |
| Loans / Deposits | 46.32% | 52.61% | 69.38% | 83.50% | 18th pctl | 1,383 / 1,683 | |
| Loans / Assets | 40.32% | 44.71% | 59.18% | 70.72% | 19th pctl | 1,358 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |