Tennessee Department of Safety

Nashville, TN · 2 · Charter #67971 · www.TDOSCU.COM
Micro (<$50M)Reporting period: Q4 2025Peer group: 1,972 CUs

Performance vs peers

Percentile rank within the Micro (<$50M) peer group (1,972 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$11.7M
46th percentile
Members
1,669
57th percentile
Total loans
$9.8M
65th percentile
Total shares
$8.6M
43th percentile

Profitability

Return on assets
4.13%
99th percentile
Net interest margin
6.25%
96th percentile
Efficiency ratio
35.60%
95th percentile
Non-interest income ratio
2.68%
22th percentile

Capital & Risk

Net worth ratio
26.90%
89th percentile
Delinquency rate
0.00%
100th percentile
Net charge-off rate
0.12%
59th percentile
Loan-to-share
113.84%
97th percentile

Growth

Member growth YoY
2.08%
84th percentile
Asset growth YoY
-0.23%
40th percentile
Loan growth YoY
3.89%
75th percentile
Share growth YoY
-4.35%
23th percentile

Operations

Members / branch
417
19th percentile
Assets / member
$7,020
31th percentile
Field of membership penetration
92.72%
97th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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