Cleveland, TN · Charter 14677
NCUA · 2 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 (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
50
Asset Quality
58
Profitability
48
Liquidity
0
Efficiency
85
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.
Cleveland, TN · Charter 14677
NCUA · 2 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 | 1.27% | 0.80% | 1.18% | 1.10% | 1.08% | 0.74% | 0.88% | 1.05% | -5 bps | |
| Return on Equity | 9.53% | 6.26% | 9.30% | 8.78% | 8.61% | 5.94% | 6.97% | 8.16% | -63 bps | |
| Net Interest Margin | 2.72% | 2.18% | 2.65% | 2.52% | 2.50% | 2.19% | 2.62% | 2.67% | +15 bps | |
| Efficiency Ratio | 62.32% | 71.55% | 62.21% | 62.82% | 63.41% | 71.64% | 64.80% | 63.42% | +60 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.99% | 4.93% | 8.82% | 9.77% | 13.04% | 10.26% | 5.69% | 2.83% | -694 bps | |
| Loan Growth (YoY) | 0.56% | -4.57% | -5.55% | -7.57% | -6.14% | -6.31% | -8.36% | -5.65% | +191 bps | |
| Share Growth (YoY) | 1.55% | 5.10% | 8.96% | 11.30% | 14.60% | 11.13% | 5.77% | 1.88% | -942 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.31% | 0.44% | 0.50% | 0.80% | 0.45% | 0.74% | 0.65% | 0.51% | -28 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 | 13.37% | 12.85% | 12.68% | 12.50% | 12.53% | 12.39% | 12.68% | 12.88% | +38 bps | |
| Net Worth / Assets | 13.37% | 12.85% | 12.68% | 12.50% | 12.53% | 12.39% | 12.68% | 12.88% | +38 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 48.38% | 45.73% | 42.75% | 40.48% | 39.62% | 38.55% | 37.04% | 37.49% | -300 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Cleveland, TN · Charter 14677 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 2 branches
Q2 2026
Return on Assets
1.05%
Rank 548 of 1,683
Net Interest Margin
2.67%
Rank 1,581 of 1,683
Efficiency Ratio
63.40%
Rank 254 of 1,682
Equity / Assets
12.88%
Rank 844 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.05% | 0.35% | 0.74% | 1.18% | Beats 67% | 548 / 1,683 | ||
| Return on Equity | 8.15% | 2.67% | 5.89% | 8.74% | Beats 71% | 493 / 1,681 | ||
| Net Interest Margin | 2.67% | 3.31% | 3.82% | 4.32% | Beats 6% | 1,581 / 1,683 | ||
| Efficiency Ratio | 63.40% | 68.91% | 78.20% | 86.93% | Beats 85% | 254 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.51% | 0.26% | 0.65% | 1.29% | Beats 58% | 700 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 12.88% | 10.44% | 12.89% | 16.53% | Beats 50% | 844 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 12.88% | 10.44% | 12.89% | 16.53% | Beats 50% | 844 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 37.49% | 52.61% | 69.38% | 83.50% | 9th pctl | 1,528 / 1,683 | ||
| Loans / Assets | 32.36% | 44.71% | 59.18% | 70.72% | 10th pctl | 1,516 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||