Louisville, TN · Charter 11152
NCUA · 1 branch
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Credit unions under $1B in assets (n=1,681 to 1,683). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
52
Asset Quality
34
Profitability
82
Liquidity
60
Efficiency
92
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Louisville, TN · Charter 11152
NCUA · 1 branch
Q2 2026
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.79% | 0.92% | 1.59% | 1.67% | 1.92% | 1.19% | 1.74% | 2.07% | +40 bps | |
| Return on Equity | 14.25% | 7.62% | 12.69% | 13.25% | 14.44% | 9.33% | 13.46% | 15.82% | +257 bps | |
| Net Interest Margin | 3.57% | 3.55% | 3.81% | 3.90% | 3.96% | 3.87% | 3.86% | 3.87% | -2 bps | |
| Efficiency Ratio | 58.09% | 78.69% | 64.95% | 63.07% | 59.12% | 73.07% | 60.44% | 56.15% | -692 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.60% | 7.13% | 7.72% | 8.82% | 2.68% | 4.06% | 7.03% | 7.45% | -137 bps | |
| Loan Growth (YoY) | -3.29% | -1.82% | 9.47% | 17.99% | 22.20% | 18.48% | 11.58% | 11.27% | -672 bps | |
| Share Growth (YoY) | 7.11% | 7.50% | 8.29% | 9.54% | 1.86% | 3.23% | 6.66% | 5.95% | -360 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.01% | 0.06% | 0.03% | 0.06% | 1.19% | 1.02% | 0.00% | 0.97% | +90 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.59% | 12.05% | 12.51% | 12.58% | 13.29% | 12.77% | 12.92% | 13.09% | +51 bps | |
| Net Worth / Assets | 12.59% | 12.05% | 12.51% | 12.58% | 13.29% | 12.77% | 12.92% | 13.09% | +51 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 64.40% | 65.15% | 72.37% | 74.74% | 77.25% | 74.78% | 75.70% | 78.49% | +376 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Louisville, TN · Charter 11152 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
2.07%
Rank 67 of 1,683
Net Interest Margin
3.87%
Rank 795 of 1,683
Efficiency Ratio
56.18%
Rank 131 of 1,682
Equity / Assets
13.09%
Rank 804 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 2.07% | 0.35% | 0.74% | 1.18% | Beats 96% | 67 / 1,683 | ||
| Return on Equity | 15.83% | 2.67% | 5.89% | 8.74% | Beats 98% | 36 / 1,681 | ||
| Net Interest Margin | 3.87% | 3.31% | 3.82% | 4.32% | Beats 53% | 795 / 1,683 | ||
| Efficiency Ratio | 56.18% | 68.91% | 78.20% | 86.93% | Beats 92% | 131 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.97% | 0.26% | 0.65% | 1.29% | Beats 34% | 1,109 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 13.09% | 10.44% | 12.89% | 16.53% | Beats 52% | 804 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 13.09% | 10.44% | 12.89% | 16.53% | Beats 52% | 804 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 78.49% | 52.61% | 69.38% | 83.50% | 67th pctl | 562 / 1,683 | ||
| Loans / Assets | 67.04% | 44.71% | 59.18% | 70.72% | 67th pctl | 563 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||