Nashville, GA · Charter 14011
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
83
Asset Quality
1
Profitability
44
Liquidity
11
Efficiency
23
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.
Nashville, GA · Charter 14011
NCUA · 1 branch
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.32% | -0.19% | 0.29% | 0.27% | 0.40% | +8 bps | |
| Return on Equity | 1.73% | -1.03% | 1.51% | 1.41% | 2.16% | +43 bps | |
| Net Interest Margin | 4.69% | 4.65% | 4.76% | 4.72% | 4.44% | -25 bps | |
| Efficiency Ratio | 84.85% | 98.50% | 84.18% | 94.58% | 91.40% | +656 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -0.38% | -2.39% | -1.73% | -3.94% | 0.79% | +117 bps | |
| Loan Growth (YoY) | -30.70% | -20.29% | -19.73% | -23.50% | -29.68% | +103 bps | |
| Share Growth (YoY) | -0.63% | -2.96% | -2.01% | -5.27% | 0.12% | +76 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 4.22% | 0.00% | 3.18% | 0.43% | 7.51% | +329 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.08% | 0.64% | 1.33% | 1.53% | 1.52% | +45 bps | |
| Capital | |||||||
| Risk-Based Capital | 18.60% | 18.64% | 19.27% | 19.32% | 18.77% | +17 bps | |
| Net Worth / Assets | 18.60% | 18.64% | 19.27% | 19.32% | 18.77% | +17 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 60.04% | 64.18% | 59.97% | 52.74% | 42.17% | -1,787 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Nashville, GA · Charter 14011 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
0.44%
Rank 1,192 of 1,683
Net Interest Margin
4.54%
Rank 313 of 1,683
Efficiency Ratio
87.88%
Rank 1,303 of 1,682
Equity / Assets
18.74%
Rank 287 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.44% | 0.35% | 0.74% | 1.18% | Beats 29% | 1,192 / 1,683 | |
| Return on Equity | 2.34% | 2.67% | 5.89% | 8.74% | Beats 22% | 1,304 / 1,681 | |
| Net Interest Margin | 4.54% | 3.31% | 3.82% | 4.32% | Beats 81% | 313 / 1,683 | |
| Efficiency Ratio | 87.88% | 68.91% | 78.20% | 86.93% | Beats 23% | 1,303 / 1,682 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 7.54% | 0.26% | 0.65% | 1.29% | Beats 1% | 1,663 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 18.74% | 10.44% | 12.89% | 16.53% | Beats 83% | 287 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 18.74% | 10.44% | 12.89% | 16.53% | Beats 83% | 287 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 42.18% | 52.61% | 69.38% | 83.50% | 13th pctl | 1,461 / 1,683 | |
| Loans / Assets | 33.97% | 44.71% | 59.18% | 70.72% | 11th pctl | 1,490 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||