Cleveland, TN · Charter 23630
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
89
Asset Quality
34
Profitability
45
Liquidity
37
Efficiency
8
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.
Cleveland, TN · Charter 23630
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 | 0.21% | 0.21% | -0.17% | 1.18% | 0.38% | +17 bps | |
| Return on Equity | 1.01% | 1.02% | -0.85% | 5.58% | 1.79% | +78 bps | |
| Net Interest Margin | 4.83% | 4.82% | 4.81% | 5.20% | 4.95% | +12 bps | |
| Efficiency Ratio | 73.24% | 83.79% | 95.20% | 96.68% | 98.06% | +2,482 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 1.46% | 0.99% | 1.66% | -1.37% | -3.02% | -448 bps | |
| Loan Growth (YoY) | 10.04% | 24.71% | 30.85% | 20.17% | 13.83% | +379 bps | |
| Share Growth (YoY) | 1.41% | 1.10% | 2.66% | -1.99% | -3.92% | -534 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 5.80% | 1.28% | 0.92% | 0.99% | 0.94% | -486 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.94% | 1.36% | 1.08% | 0.52% | 0.65% | -129 bps | |
| Capital | |||||||
| Risk-Based Capital | 20.65% | 20.28% | 20.43% | 21.10% | 21.19% | +55 bps | |
| Net Worth / Assets | 20.65% | 20.28% | 20.43% | 21.10% | 21.19% | +55 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 42.14% | 44.56% | 51.39% | 49.50% | 49.92% | +779 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Cleveland, TN · Charter 23630 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 3 branches
Q2 2026
Return on Assets
0.38%
Rank 1,238 of 1,683
Net Interest Margin
4.94%
Rank 156 of 1,683
Efficiency Ratio
98.92%
Rank 1,546 of 1,682
Equity / Assets
21.19%
Rank 180 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.38% | 0.35% | 0.74% | 1.18% | Beats 26% | 1,238 / 1,683 | |
| Return on Equity | 1.79% | 2.67% | 5.89% | 8.74% | Beats 19% | 1,362 / 1,681 | |
| Net Interest Margin | 4.94% | 3.31% | 3.82% | 4.32% | Beats 91% | 156 / 1,683 | |
| Efficiency Ratio | 98.92% | 68.91% | 78.20% | 86.93% | Beats 8% | 1,546 / 1,682 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.97% | 0.26% | 0.65% | 1.29% | Beats 34% | 1,111 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 21.19% | 10.44% | 12.89% | 16.53% | Beats 89% | 180 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 21.19% | 10.44% | 12.89% | 16.53% | Beats 89% | 180 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 49.91% | 52.61% | 69.38% | 83.50% | 21st pctl | 1,324 / 1,683 | |
| Loans / Assets | 39.16% | 44.71% | 59.18% | 70.72% | 18th pctl | 1,388 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||