Atoka, Tennessee · Peer group 3
The West Tennessee Credit Union
The West Tennessee Credit Union holds $18.5M in assets across 1,641 members as of Q1 2026 — about $11K of assets per member, on a charter dating to 1967. Charter number 60726, in the $10M-$50M asset tier.
Balance sheet
Reported position at the close of the quarter.
| Total assets | $18.5M |
|---|---|
| Total loans | $12.8M |
| Total shares (deposits) | $16.5M |
| Net worth | $2.0M |
| Members | 1,641 |
| Assets per member | $11K |
Year-over-year growth
Change against the same quarter one year earlier.
| Assets | -1.7% | |
|---|---|---|
| Loans | -14.7% | lower than 92% of its peer group |
| Deposits | -2.0% | around the 30th percentile of its peer group |
| Members | -0.1% | around the 66th 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 | 77.7% | around the 82nd percentile of its peer group |
|---|---|---|
| Net worth ratio | 10.8% | around the 25th percentile of its peer group |
| Return on assets | 0.74% | around the 55th percentile of its peer group |
| Delinquency ratio | 0.90% | around the 65th percentile of its peer group |
| Cash / assets | 20.9% | around the 85th 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 The West Tennessee Credit Union’s own reported position. A CUSignals subscription adds the layer on top of it: how likely it is to merge, with a calibrated one-year probability; how attractive it would be to an acquirer; a liquidity-stress score and funding-need flag; whether it buys or sells loan participations; and which platforms it runs. Each score shows the plain-English reason it moved and the weights that built it.
Similar credit unions
Closest in size within Tennessee — the comparison set a peer ratio is measured against.
- Southern Credit Union
Chattanooga, TN
$18.2M · 1,632 members
- Enlighten Credit Union
JACKSON, TN
$17.5M · 1,384 members
- Parthenon Credit Union
Nashville, TN
$17.3M · 1,778 members
- Appliance Credit Union
CLEVELAND, TN
$17.2M · 1,963 members
- Skyline Credit Union
NASHVILLE, TN
$17.0M · 1,605 members
- Tennessee River Credit Union
COUNCE, TN
$16.4M · 1,561 members
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