Jackson, TN · Charter 20662
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
63
Asset Quality
49
Profitability
65
Liquidity
0
Efficiency
55
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.
Jackson, TN · Charter 20662
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 | 1.25% | 1.37% | 1.32% | 1.24% | 1.07% | -17 bps | |
| Return on Equity | 9.78% | 10.13% | 9.58% | 9.15% | 7.52% | -226 bps | |
| Net Interest Margin | 3.95% | 4.16% | 4.14% | 3.90% | 4.03% | +8 bps | |
| Efficiency Ratio | 71.07% | 70.92% | 72.28% | 73.79% | 76.72% | +565 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 1.82% | 3.11% | 5.45% | 3.51% | -2.63% | -445 bps | |
| Loan Growth (YoY) | -11.68% | -19.09% | -16.64% | -13.14% | -19.97% | -829 bps | |
| Share Growth (YoY) | 0.58% | 1.95% | 4.61% | 2.41% | -4.43% | -501 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.64% | 0.75% | 0.57% | 0.58% | 0.69% | +5 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 | 12.73% | 13.54% | 13.78% | 13.52% | 14.29% | +156 bps | |
| Net Worth / Assets | 12.73% | 13.54% | 13.78% | 13.52% | 14.29% | +156 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 24.29% | 23.62% | 23.24% | 21.11% | 20.34% | -395 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Jackson, TN · Charter 20662 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
1.07%
Rank 521 of 1,683
Net Interest Margin
4.03%
Rank 648 of 1,683
Efficiency Ratio
76.54%
Rank 754 of 1,682
Equity / Assets
14.28%
Rank 630 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.07% | 0.35% | 0.74% | 1.18% | Beats 69% | 521 / 1,683 | |
| Return on Equity | 7.49% | 2.67% | 5.89% | 8.74% | Beats 65% | 586 / 1,681 | |
| Net Interest Margin | 4.03% | 3.31% | 3.82% | 4.32% | Beats 61% | 648 / 1,683 | |
| Efficiency Ratio | 76.54% | 68.91% | 78.20% | 86.93% | Beats 55% | 754 / 1,682 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.69% | 0.26% | 0.65% | 1.29% | Beats 49% | 866 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 14.28% | 10.44% | 12.89% | 16.53% | Beats 63% | 630 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 14.28% | 10.44% | 12.89% | 16.53% | Beats 63% | 630 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 20.34% | 52.61% | 69.38% | 83.50% | 2nd pctl | 1,650 / 1,683 | |
| Loans / Assets | 17.32% | 44.71% | 59.18% | 70.72% | 2nd pctl | 1,646 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||