Healthcare Services

CHATTANOOGA, TN · 2 · Charter #68173 · www.hscu.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
$24.6M
69th percentile
Members
3,116
86th percentile
Total loans
$14.5M
77th percentile
Total shares
$20.3M
69th percentile

Profitability

Return on assets
0.62%
41th percentile
Net interest margin
4.23%
60th percentile
Efficiency ratio
78.45%
26th percentile
Non-interest income ratio
22.12%
86th percentile

Capital & Risk

Net worth ratio
15.64%
55th percentile
Delinquency rate
0.40%
62th percentile
Net charge-off rate
0.08%
63th percentile
Loan-to-share
71.44%
65th percentile

Growth

Member growth YoY
-1.33%
51th percentile
Asset growth YoY
4.41%
71th percentile
Loan growth YoY
2.01%
70th percentile
Share growth YoY
4.60%
73th percentile

Operations

Members / branch
1,558
66th percentile
Assets / member
$7,910
38th percentile
Field of membership penetration
22.63%
36th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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