Cordova, TN · Charter 13456
NCUA · 5 branches
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 in the Memphis, TN-MS-AR area (n=20). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
55
Asset Quality
25
Profitability
43
Liquidity
0
Efficiency
65
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.
Cordova, TN · Charter 13456
NCUA · 5 branches
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 | 0.40% | 0.36% | -0.12% | 0.02% | 0.18% | 0.21% | 0.25% | 0.80% | +78 bps | |
| Return on Equity | 2.32% | 2.01% | -0.71% | 0.12% | 1.02% | 1.14% | 1.46% | 4.53% | +441 bps | |
| Net Interest Margin | 3.06% | 3.23% | 3.17% | 3.27% | 3.49% | 3.67% | 3.49% | 3.71% | +44 bps | |
| Efficiency Ratio | 84.79% | 86.26% | 94.74% | 92.05% | 87.84% | 87.83% | 88.62% | 77.11% | -1,494 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -6.81% | -6.78% | -6.07% | -0.96% | -0.89% | -0.43% | 0.58% | -2.25% | -129 bps | |
| Loan Growth (YoY) | -14.49% | -17.95% | -18.04% | -18.32% | -17.02% | -16.45% | -8.60% | -5.39% | +1,293 bps | |
| Share Growth (YoY) | -8.36% | -8.07% | -6.97% | -1.81% | -0.68% | -0.58% | -0.87% | -3.50% | -169 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 5.09% | 4.30% | 2.74% | 2.40% | 2.31% | 2.86% | 2.15% | 1.03% | -137 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 | 1.71% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 17.05% | 17.91% | 17.09% | 16.95% | 17.29% | 18.10% | 17.19% | 17.62% | +67 bps | |
| Net Worth / Assets | 17.05% | 17.91% | 17.09% | 16.95% | 17.29% | 18.10% | 17.19% | 17.62% | +67 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 23.01% | 23.77% | 20.61% | 19.80% | 19.22% | 19.98% | 19.00% | 19.41% | -39 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Cordova, TN · Charter 13456 · Peer group: credit unions under $1B in assets in the Memphis, TN-MS-AR area (n=20)
NCUA · 5 branches
Q2 2026
Return on Assets
0.80%
Rank 10 of 20
Net Interest Margin
3.72%
Rank 13 of 20
Efficiency Ratio
77.01%
Rank 8 of 20
Equity / Assets
17.62%
Rank 9 of 20
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.80% | 0.17% | 0.80% | 1.30% | Beats 50% | 10 / 20 | ||
| Return on Equity | 4.54% | 1.70% | 5.99% | 7.93% | Beats 45% | 11 / 20 | ||
| Net Interest Margin | 3.72% | 3.56% | 3.85% | 4.24% | Beats 35% | 13 / 20 | ||
| Efficiency Ratio | 77.01% | 66.59% | 84.75% | 93.62% | Beats 65% | 8 / 20 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.03% | 0.32% | 0.63% | 1.03% | Beats 25% | 16 / 20 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 17.62% | 13.24% | 17.38% | 21.71% | Beats 55% | 9 / 20 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 17.62% | 13.24% | 17.38% | 21.71% | Beats 55% | 9 / 20 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 19.41% | 36.24% | 50.72% | 82.35% | 0th pctl | 20 / 20 | ||
| Loans / Assets | 15.74% | 30.61% | 46.06% | 66.54% | 0th pctl | 20 / 20 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||