Knoxville, TN · Charter 11533
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
58
Asset Quality
59
Profitability
58
Liquidity
71
Efficiency
83
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.
Knoxville, TN · Charter 11533
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 | 0.43% | 0.27% | 1.11% | 1.00% | 1.08% | 1.09% | 1.00% | 1.06% | +7 bps | |
| Return on Equity | 3.83% | 2.46% | 9.53% | 8.44% | 8.79% | 8.76% | 7.69% | 7.74% | -71 bps | |
| Net Interest Margin | 2.58% | 2.63% | 3.11% | 3.18% | 3.29% | 3.24% | 3.37% | 3.59% | +40 bps | |
| Efficiency Ratio | 79.60% | 76.33% | 63.82% | 62.99% | 64.43% | 66.01% | 62.92% | 64.76% | +177 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 13.93% | 12.14% | -2.81% | -0.89% | -3.22% | -2.51% | -2.22% | -6.26% | -537 bps | |
| Loan Growth (YoY) | -13.22% | -14.37% | -14.36% | -8.96% | -4.11% | -1.06% | -1.32% | -0.62% | +833 bps | |
| Share Growth (YoY) | 18.00% | 12.72% | -3.42% | -1.61% | -4.79% | -3.60% | -4.00% | -8.68% | -706 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.09% | 0.85% | 0.72% | 0.54% | 0.20% | 0.28% | 0.17% | 0.50% | -4 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 | 11.20% | 11.03% | 11.61% | 11.81% | 12.34% | 12.40% | 12.95% | 13.76% | +195 bps | |
| Net Worth / Assets | 11.20% | 11.03% | 11.61% | 11.81% | 12.34% | 12.40% | 12.95% | 13.76% | +195 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 57.06% | 54.82% | 55.33% | 55.57% | 57.47% | 56.26% | 56.87% | 60.47% | +490 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Knoxville, TN · Charter 11533 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
1.07%
Rank 523 of 1,683
Net Interest Margin
3.58%
Rank 1,051 of 1,683
Efficiency Ratio
64.75%
Rank 288 of 1,682
Equity / Assets
13.76%
Rank 708 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.07% | 0.35% | 0.74% | 1.18% | Beats 69% | 523 / 1,683 | ||
| Return on Equity | 7.74% | 2.67% | 5.89% | 8.74% | Beats 67% | 548 / 1,681 | ||
| Net Interest Margin | 3.58% | 3.31% | 3.82% | 4.32% | Beats 38% | 1,051 / 1,683 | ||
| Efficiency Ratio | 64.75% | 68.91% | 78.20% | 86.93% | Beats 83% | 288 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.50% | 0.26% | 0.65% | 1.29% | Beats 59% | 688 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 13.76% | 10.44% | 12.89% | 16.53% | Beats 58% | 708 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 13.76% | 10.44% | 12.89% | 16.53% | Beats 58% | 708 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 60.47% | 52.61% | 69.38% | 83.50% | 35th pctl | 1,089 / 1,683 | ||
| Loans / Assets | 51.51% | 44.71% | 59.18% | 70.72% | 37th pctl | 1,067 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||