Etma

LOUISVILLE, TN · 1 · Charter #11152 · www.tmfcu.net
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
$29.7M
77th percentile
Members
1,544
53th percentile
Total loans
$19.2M
87th percentile
Total shares
$25.7M
78th percentile

Profitability

Return on assets
1.26%
70th percentile
Net interest margin
3.87%
46th percentile
Efficiency ratio
62.74%
58th percentile
Non-interest income ratio
15.36%
70th percentile

Capital & Risk

Net worth ratio
12.77%
36th percentile
Delinquency rate
1.02%
41th percentile
Net charge-off rate
0.09%
62th percentile
Loan-to-share
74.78%
69th percentile

Growth

Member growth YoY
3.90%
92th percentile
Asset growth YoY
4.06%
68th percentile
Loan growth YoY
18.48%
95th percentile
Share growth YoY
3.23%
65th percentile

Operations

Members / branch
1,544
65th percentile
Assets / member
$19,240
95th percentile
Field of membership penetration
29.87%
43th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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