Trust

Chattanooga, TN · 1 · Charter #24629 · www.trustfcu.com
Small ($50M–$250M)Reporting period: Q4 2025Peer group: 1,262 CUs

Performance vs peers

Percentile rank within the Small ($50M–$250M) peer group (1,262 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$136.4M
66th percentile
Members
7,704
50th percentile
Total loans
$103.7M
77th percentile
Total shares
$119.2M
68th percentile

Profitability

Return on assets
1.11%
56th percentile
Net interest margin
3.68%
51th percentile
Efficiency ratio
54.54%
73th percentile
Non-interest income ratio
18.68%
58th percentile

Capital & Risk

Net worth ratio
11.92%
45th percentile
Delinquency rate
1.96%
10th percentile
Net charge-off rate
0.62%
24th percentile
Loan-to-share
87.01%
82th percentile

Growth

Member growth YoY
-5.66%
9th percentile
Asset growth YoY
6.21%
71th percentile
Loan growth YoY
3.89%
64th percentile
Share growth YoY
7.00%
77th percentile

Operations

Members / branch
2,568
37th percentile
Assets / member
$17,709
74th percentile
Field of membership penetration
6.42%
51th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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