Chattanooga, TN · Charter 14634
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
80
Asset Quality
5
Profitability
99
Liquidity
48
Efficiency
98
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.
Chattanooga, TN · Charter 14634
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 | 3.14% | 3.36% | 3.36% | 3.12% | 3.15% | 2.00% | 3.47% | 3.21% | +9 bps | |
| Return on Equity | 19.66% | 19.62% | 19.21% | 17.60% | 16.90% | 11.74% | 19.88% | 18.01% | +42 bps | |
| Net Interest Margin | 6.40% | 6.44% | 7.01% | 6.84% | 6.76% | 6.33% | 6.40% | 6.08% | -75 bps | |
| Efficiency Ratio | 52.54% | 49.66% | 53.74% | 56.34% | 54.06% | 62.76% | 44.32% | 45.74% | -1,060 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.32% | 4.47% | 4.40% | 7.19% | 3.93% | 7.63% | 8.69% | 7.84% | +65 bps | |
| Loan Growth (YoY) | -1.29% | -1.54% | 0.37% | -2.16% | -1.14% | -2.61% | -3.40% | -5.49% | -333 bps | |
| Share Growth (YoY) | 6.72% | 0.94% | 1.05% | 4.35% | 1.15% | 7.17% | 8.53% | 7.75% | +340 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 5.09% | 6.57% | 6.45% | 3.89% | 4.98% | 5.24% | 4.12% | 4.05% | +16 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 | 15.96% | 17.13% | 17.47% | 17.70% | 18.65% | 17.02% | 17.44% | 17.82% | +11 bps | |
| Net Worth / Assets | 15.96% | 17.13% | 17.47% | 17.70% | 18.65% | 17.02% | 17.44% | 17.82% | +11 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 96.95% | 97.87% | 95.88% | 92.60% | 94.76% | 88.93% | 85.35% | 81.22% | -1,138 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Chattanooga, TN · Charter 14634 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
3.21%
Rank 9 of 1,683
Net Interest Margin
6.08%
Rank 36 of 1,683
Efficiency Ratio
45.87%
Rank 38 of 1,682
Equity / Assets
17.81%
Rank 338 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 3.21% | 0.35% | 0.74% | 1.18% | Beats 99% | 9 / 1,683 | ||
| Return on Equity | 18.04% | 2.67% | 5.89% | 8.74% | Beats 99% | 17 / 1,681 | ||
| Net Interest Margin | 6.08% | 3.31% | 3.82% | 4.32% | Beats 98% | 36 / 1,683 | ||
| Efficiency Ratio | 45.87% | 68.91% | 78.20% | 86.93% | Beats 98% | 38 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 4.05% | 0.26% | 0.65% | 1.29% | Beats 5% | 1,604 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 17.81% | 10.44% | 12.89% | 16.53% | Beats 80% | 338 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 17.81% | 10.44% | 12.89% | 16.53% | Beats 80% | 338 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 81.22% | 52.61% | 69.38% | 83.50% | 72nd pctl | 478 / 1,683 | ||
| Loans / Assets | 66.12% | 44.71% | 59.18% | 70.72% | 65th pctl | 594 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||