Smyrna, TN · Charter 21354
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
4
Asset Quality
52
Profitability
58
Liquidity
36
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.
Smyrna, TN · Charter 21354
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 | 0.21% | 0.20% | 0.27% | 0.27% | 0.32% | 0.32% | 0.35% | 0.48% | +21 bps | |
| Return on Equity | 2.57% | 2.51% | 3.47% | 3.49% | 4.07% | 4.16% | 4.56% | 5.94% | +245 bps | |
| Net Interest Margin | 5.01% | 5.11% | 5.14% | 5.11% | 5.32% | 5.24% | 5.01% | 5.18% | +8 bps | |
| Efficiency Ratio | 80.53% | 80.46% | 84.44% | 84.45% | 83.60% | 83.33% | 80.01% | 76.76% | -770 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.43% | 0.39% | 2.49% | 6.44% | 6.54% | 8.47% | 6.26% | 0.97% | -547 bps | |
| Loan Growth (YoY) | 8.63% | 7.08% | 4.15% | 3.48% | 3.40% | 1.32% | 3.13% | 3.53% | +5 bps | |
| Share Growth (YoY) | 2.57% | 0.60% | 2.67% | 7.71% | 7.32% | 8.76% | 7.28% | 0.57% | -714 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.99% | 0.68% | 0.55% | 0.61% | 1.01% | 0.61% | 0.62% | 0.60% | -1 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 | 8.07% | 8.10% | 7.76% | 7.64% | 7.86% | 7.80% | 7.64% | 7.99% | +35 bps | |
| Net Worth / Assets | 8.07% | 8.10% | 7.76% | 7.64% | 7.86% | 7.80% | 7.64% | 7.99% | +35 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 87.67% | 89.14% | 84.64% | 81.61% | 84.47% | 83.05% | 81.37% | 84.02% | +240 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Smyrna, TN · Charter 21354 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 2 branches
Q2 2026
Return on Assets
0.48%
Rank 1,161 of 1,683
Net Interest Margin
5.18%
Rank 113 of 1,683
Efficiency Ratio
76.74%
Rank 762 of 1,682
Equity / Assets
7.99%
Rank 1,621 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.48% | 0.35% | 0.74% | 1.18% | Beats 31% | 1,161 / 1,683 | ||
| Return on Equity | 5.95% | 2.67% | 5.89% | 8.74% | Beats 50% | 833 / 1,681 | ||
| Net Interest Margin | 5.18% | 3.31% | 3.82% | 4.32% | Beats 93% | 113 / 1,683 | ||
| Efficiency Ratio | 76.74% | 68.91% | 78.20% | 86.93% | Beats 55% | 762 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.60% | 0.26% | 0.65% | 1.29% | Beats 52% | 800 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 7.99% | 10.44% | 12.89% | 16.53% | Beats 4% | 1,621 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 7.99% | 10.44% | 12.89% | 16.53% | Beats 4% | 1,621 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 84.02% | 52.61% | 69.38% | 83.50% | 76th pctl | 404 / 1,683 | ||
| Loans / Assets | 76.81% | 44.71% | 59.18% | 70.72% | 87th pctl | 222 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||