Gallatin Steam Plant

GALLATIN, TN · 2 · Charter #63868 · www.steamplantcu.org
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
$7.6M
34th percentile
Members
633
22th percentile
Total loans
$4.6M
41th percentile
Total shares
$6.2M
35th percentile

Profitability

Return on assets
1.55%
81th percentile
Net interest margin
4.04%
52th percentile
Efficiency ratio
46.38%
87th percentile
Non-interest income ratio
2.59%
22th percentile

Capital & Risk

Net worth ratio
17.77%
65th percentile
Delinquency rate
0.89%
45th percentile
Net charge-off rate
0.06%
66th percentile
Loan-to-share
74.09%
68th percentile

Growth

Member growth YoY
-1.71%
47th percentile
Asset growth YoY
-1.21%
35th percentile
Loan growth YoY
-5.42%
39th percentile
Share growth YoY
-3.33%
28th percentile

Operations

Members / branch
633
29th percentile
Assets / member
$11,975
71th percentile
Field of membership penetration
63.30%
80th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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