Copperhill, TN · Charter 16773
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
43
Asset Quality
18
Profitability
97
Liquidity
0
Efficiency
75
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.
Copperhill, TN · Charter 16773
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 | 2.05% | 1.86% | 2.70% | 2.07% | 1.78% | 1.79% | 2.48% | 2.37% | +30 bps | |
| Return on Equity | 19.44% | 17.47% | 24.84% | 15.57% | 16.42% | 16.35% | 21.46% | 19.39% | +381 bps | |
| Net Interest Margin | 5.17% | 5.15% | 5.38% | 5.33% | 5.25% | 5.13% | 5.24% | 5.43% | +10 bps | |
| Efficiency Ratio | 71.43% | 72.48% | 70.91% | 73.67% | 72.64% | 71.94% | 67.82% | 68.99% | -468 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.54% | 5.82% | 8.59% | 10.91% | 14.91% | 16.10% | 11.27% | 6.79% | -412 bps | |
| Loan Growth (YoY) | 11.15% | 12.60% | 15.33% | 15.68% | 13.30% | 10.24% | 6.32% | 9.15% | -653 bps | |
| Share Growth (YoY) | 4.72% | 5.48% | 8.58% | 11.80% | 16.27% | 17.16% | 11.71% | 5.82% | -598 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.93% | 1.06% | 0.15% | 0.99% | 0.90% | 0.96% | 0.13% | 1.65% | +66 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 | 10.53% | 10.62% | 10.86% | 13.32% | 10.82% | 10.94% | 11.56% | 12.23% | -109 bps | |
| Net Worth / Assets | 10.53% | 10.62% | 10.86% | 13.32% | 10.82% | 10.94% | 11.56% | 12.23% | -109 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 92.92% | 93.55% | 94.53% | 93.85% | 90.55% | 88.02% | 89.97% | 96.81% | +296 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Copperhill, TN · Charter 16773 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 2 branches
Q2 2026
Return on Assets
2.37%
Rank 39 of 1,683
Net Interest Margin
5.43%
Rank 83 of 1,683
Efficiency Ratio
69.00%
Rank 427 of 1,682
Equity / Assets
12.23%
Rank 958 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 2.37% | 0.35% | 0.74% | 1.18% | Beats 98% | 39 / 1,683 | ||
| Return on Equity | 19.40% | 2.67% | 5.89% | 8.74% | Beats 99% | 12 / 1,681 | ||
| Net Interest Margin | 5.43% | 3.31% | 3.82% | 4.32% | Beats 95% | 83 / 1,683 | ||
| Efficiency Ratio | 69.00% | 68.91% | 78.20% | 86.93% | Beats 75% | 427 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.65% | 0.26% | 0.65% | 1.29% | Beats 18% | 1,380 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 12.23% | 10.44% | 12.89% | 16.53% | Beats 43% | 958 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 12.23% | 10.44% | 12.89% | 16.53% | Beats 43% | 958 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 96.81% | 52.61% | 69.38% | 83.50% | 95th pctl | 91 / 1,683 | ||
| Loans / Assets | 82.81% | 44.71% | 59.18% | 70.72% | 95th pctl | 82 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||