Charleston, Tennessee · Peer group 3
Hiwassee River Credit Union
Hiwassee River Credit Union holds $27.9M in assets across 1,954 members as of Q1 2026 — about $14K of assets per member, on a charter dating to 1969. Charter number 67946, in the $10M-$50M asset tier.
Balance sheet
Reported position at the close of the quarter.
| Total assets | $27.9M |
|---|---|
| Total loans | $11.9M |
| Total shares (deposits) | $24.8M |
| Net worth | $3.0M |
| Members | 1,954 |
| Assets per member | $14K |
Year-over-year growth
Change against the same quarter one year earlier.
| Assets | -2.7% | |
|---|---|---|
| Loans | -9.9% | around the 19th percentile of its peer group |
| Deposits | -3.4% | around the 21st percentile of its peer group |
| Members | -3.8% | around the 24th percentile of its peer group |
Ratios and peer position
Each ratio is shown against its percentile rank within this institution's own peer group. The absolute number is rarely the interesting part — a 96% loan-to-share is unremarkable in one peer group and an outlier in another.
| Loan-to-share | 48.2% | around the 34th percentile of its peer group |
|---|---|---|
| Net worth ratio | 10.7% | around the 24th percentile of its peer group |
| Return on assets | 0.53% | around the 43rd percentile of its peer group |
| Delinquency ratio | 0.07% | around the 18th percentile of its peer group |
| Cash / assets | 20.4% | around the 84th percentile of its peer group |
| Borrowings / assets | 0.0% | around the 49th percentile of its peer group |
What this page does not show
Everything above is Hiwassee River Credit Union’s own reported position. What a CUSignals subscription adds is the layer on top of it: a merger-susceptibility score and calibrated one-year probability, a franchise-value score, a liquidity-stress score and funding-need flag, participation buyer/seller classification, and buying-propensity scores across five software categories — each with the plain-English reason it moved, and each decomposable into the weights that produced it.
Similar credit unions
Closest in size within Tennessee — the comparison set a peer ratio is measured against.
- Beacon Financial Credit Union
Johnson City, TN
$28.3M · 2,169 members
- Chattanooga First Credit Union
CHATTANOOGA, TN
$26.0M · 1,492 members
- Kennedy VA Employees Credit Union
Memphis, TN
$25.5M · 3,364 members
- Tennessee Military Credit Union
LOUISVILLE, TN
$30.4M · 1,566 members
- Tennessee Employees Credit Union
Nashville, TN
$30.6M · 2,956 members
- Healthcare Services Credit Union
CHATTANOOGA, TN
$25.1M · 3,124 members
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