Alcoa, TN · Charter 20513
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
84
Asset Quality
100
Profitability
87
Liquidity
26
Efficiency
97
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.
Alcoa, TN · Charter 20513
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 | 3.37% | 4.81% | 1.93% | 2.26% | 1.77% | -160 bps | |
| Return on Equity | 20.51% | 28.67% | 10.54% | 11.93% | 9.34% | -1,117 bps | |
| Net Interest Margin | 5.90% | 6.26% | 5.45% | 4.97% | 4.96% | -94 bps | |
| Efficiency Ratio | 28.05% | 14.26% | 56.58% | 54.86% | 48.68% | +2,063 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 4.39% | 10.59% | -5.57% | -5.80% | -5.08% | -947 bps | |
| Loan Growth (YoY) | 15.27% | 21.13% | 16.30% | 14.30% | 5.68% | -959 bps | |
| Share Growth (YoY) | 2.70% | 8.97% | -8.70% | -9.34% | -7.92% | -1,062 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.00% | 0.76% | 0.19% | 1.11% | 0.00% | -100 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.74% | 0.36% | 0.37% | 0.17% | 0.64% | -9 bps | |
| Capital | |||||||
| Risk-Based Capital | 16.42% | 16.76% | 18.29% | 18.92% | 18.91% | +249 bps | |
| Net Worth / Assets | 16.42% | 16.76% | 18.29% | 18.92% | 18.91% | +249 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 75.19% | 73.87% | 81.82% | 88.47% | 86.29% | +1,110 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Alcoa, TN · Charter 20513 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
1.77%
Rank 140 of 1,683
Net Interest Margin
4.94%
Rank 154 of 1,683
Efficiency Ratio
49.12%
Rank 57 of 1,682
Equity / Assets
18.91%
Rank 277 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.77% | 0.35% | 0.74% | 1.18% | Beats 92% | 140 / 1,683 | |
| Return on Equity | 9.33% | 2.67% | 5.89% | 8.74% | Beats 79% | 349 / 1,681 | |
| Net Interest Margin | 4.94% | 3.31% | 3.82% | 4.32% | Beats 91% | 154 / 1,683 | |
| Efficiency Ratio | 49.12% | 68.91% | 78.20% | 86.93% | Beats 97% | 57 / 1,682 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.26% | 0.65% | 1.29% | Beats 100% | 132 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 18.91% | 10.44% | 12.89% | 16.53% | Beats 84% | 277 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 18.91% | 10.44% | 12.89% | 16.53% | Beats 84% | 277 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 86.30% | 52.61% | 69.38% | 83.50% | 80th pctl | 336 / 1,683 | |
| Loans / Assets | 69.79% | 44.71% | 59.18% | 70.72% | 73rd pctl | 451 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||