Hiwassee River

CHARLESTON, TN · 2 · Charter #67946 · www.omcecu.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
$26.9M
73th percentile
Members
1,962
65th percentile
Total loans
$12.4M
72th percentile
Total shares
$23.8M
75th percentile

Profitability

Return on assets
0.66%
43th percentile
Net interest margin
2.84%
16th percentile
Efficiency ratio
58.30%
69th percentile
Non-interest income ratio
9.46%
51th percentile

Capital & Risk

Net worth ratio
10.99%
23th percentile
Delinquency rate
0.21%
70th percentile
Net charge-off rate
0.08%
63th percentile
Loan-to-share
51.94%
37th percentile

Growth

Member growth YoY
-3.54%
28th percentile
Asset growth YoY
-5.05%
16th percentile
Loan growth YoY
-9.08%
27th percentile
Share growth YoY
-5.95%
17th percentile

Operations

Members / branch
1,962
77th percentile
Assets / member
$13,703
80th percentile
Field of membership penetration
39.24%
54th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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