Loudon, TN · Charter 15015
NCUA · 3 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
20
Asset Quality
27
Profitability
51
Liquidity
39
Efficiency
54
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.
Loudon, TN · Charter 15015
NCUA · 3 branches
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 | 0.73% | 0.81% | 0.84% | 0.89% | 0.90% | +17 bps | |
| Return on Equity | 7.13% | 7.74% | 8.13% | 9.00% | 8.98% | +185 bps | |
| Net Interest Margin | 3.07% | 3.11% | 3.11% | 2.98% | 3.08% | +1 bps | |
| Efficiency Ratio | 81.87% | 80.45% | 79.76% | 75.33% | 77.05% | -482 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.55% | -2.43% | -0.11% | 5.38% | 12.31% | +976 bps | |
| Loan Growth (YoY) | 6.75% | 4.00% | 6.16% | 5.41% | 3.12% | -363 bps | |
| Share Growth (YoY) | 2.09% | -3.48% | -1.14% | 4.99% | 12.61% | +1,052 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.26% | 0.35% | 0.28% | 0.07% | 1.20% | +94 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.21% | 10.42% | 10.31% | 9.94% | 9.99% | -22 bps | |
| Net Worth / Assets | 10.21% | 10.42% | 10.31% | 9.94% | 9.99% | -22 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 55.22% | 55.57% | 55.03% | 50.98% | 50.57% | -465 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Loudon, TN · Charter 15015 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 3 branches
Q2 2026
Return on Assets
0.90%
Rank 686 of 1,683
Net Interest Margin
3.08%
Rank 1,402 of 1,683
Efficiency Ratio
77.01%
Rank 778 of 1,682
Equity / Assets
9.99%
Rank 1,346 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.90% | 0.35% | 0.74% | 1.18% | Beats 59% | 686 / 1,683 | |
| Return on Equity | 8.97% | 2.67% | 5.89% | 8.74% | Beats 77% | 393 / 1,681 | |
| Net Interest Margin | 3.08% | 3.31% | 3.82% | 4.32% | Beats 17% | 1,402 / 1,683 | |
| Efficiency Ratio | 77.01% | 68.91% | 78.20% | 86.93% | Beats 54% | 778 / 1,682 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 1.20% | 0.26% | 0.65% | 1.29% | Beats 27% | 1,232 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 9.99% | 10.44% | 12.89% | 16.53% | Beats 20% | 1,346 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 9.99% | 10.44% | 12.89% | 16.53% | Beats 20% | 1,346 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 50.57% | 52.61% | 69.38% | 83.50% | 22nd pctl | 1,311 / 1,683 | |
| Loans / Assets | 45.32% | 44.71% | 59.18% | 70.72% | 26th pctl | 1,249 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||