The West Tennessee

Atoka, TN · 2 · Charter #60726 · www.wtncu.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
$18.4M
60th percentile
Members
1,683
57th percentile
Total loans
$13.8M
75th percentile
Total shares
$15.8M
60th percentile

Profitability

Return on assets
1.79%
86th percentile
Net interest margin
4.24%
61th percentile
Efficiency ratio
59.27%
66th percentile
Non-interest income ratio
18.57%
80th percentile

Capital & Risk

Net worth ratio
10.75%
21th percentile
Delinquency rate
0.76%
49th percentile
Net charge-off rate
2.12%
6th percentile
Loan-to-share
87.00%
85th percentile

Growth

Member growth YoY
0.06%
68th percentile
Asset growth YoY
3.59%
66th percentile
Loan growth YoY
-12.59%
17th percentile
Share growth YoY
1.46%
56th percentile

Operations

Members / branch
1,683
70th percentile
Assets / member
$10,947
64th percentile
Field of membership penetration
0.11%
0th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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