Happy Valley

ELIZABETHTON, TN · 2 · Charter #68097 · www.hvcu-tn.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
$36.6M
86th percentile
Members
3,228
87th percentile
Total loans
$9.6M
64th percentile
Total shares
$29.8M
84th percentile

Profitability

Return on assets
0.50%
35th percentile
Net interest margin
3.28%
27th percentile
Efficiency ratio
75.12%
33th percentile
Non-interest income ratio
18.54%
80th percentile

Capital & Risk

Net worth ratio
17.87%
65th percentile
Delinquency rate
0.31%
65th percentile
Net charge-off rate
0.32%
43th percentile
Loan-to-share
32.10%
14th percentile

Growth

Member growth YoY
-2.62%
37th percentile
Asset growth YoY
-0.79%
37th percentile
Loan growth YoY
5.60%
81th percentile
Share growth YoY
-3.07%
29th percentile

Operations

Members / branch
3,228
93th percentile
Assets / member
$11,327
66th percentile
Field of membership penetration
37.10%
51th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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