Bartlett, TN · Charter 24220
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 in the Memphis, TN-MS-AR area (n=20). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
90
Asset Quality
10
Profitability
77
Liquidity
88
Efficiency
90
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.
Bartlett, TN · Charter 24220
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 | 2.06% | 2.02% | 2.10% | 1.64% | 1.87% | -20 bps | |
| Return on Equity | 7.28% | 7.05% | 7.30% | 5.76% | 6.33% | -95 bps | |
| Net Interest Margin | 5.16% | 5.08% | 5.06% | 5.13% | 5.12% | -4 bps | |
| Efficiency Ratio | 66.24% | 66.59% | 65.68% | 61.24% | 63.25% | -299 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.57% | 5.17% | 6.60% | 6.39% | 3.22% | -35 bps | |
| Loan Growth (YoY) | -15.27% | -16.14% | -16.85% | -12.93% | -7.94% | +733 bps | |
| Share Growth (YoY) | 2.03% | 3.38% | 5.32% | 5.34% | 1.65% | -38 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.34% | 2.30% | 2.85% | 2.35% | 3.17% | +183 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 | 28.31% | 28.60% | 28.70% | 28.49% | 29.45% | +113 bps | |
| Net Worth / Assets | 28.31% | 28.60% | 28.70% | 28.49% | 29.45% | +113 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 50.97% | 45.34% | 47.99% | 46.43% | 46.16% | -481 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Bartlett, TN · Charter 24220 · Peer group: credit unions under $1B in assets in the Memphis, TN-MS-AR area (n=20)
NCUA · 1 branch
Q2 2026
Return on Assets
1.86%
Rank 3 of 20
Net Interest Margin
5.12%
Rank 3 of 20
Efficiency Ratio
63.29%
Rank 3 of 20
Equity / Assets
29.45%
Rank 2 of 20
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.86% | 0.17% | 0.80% | 1.30% | Beats 85% | 3 / 20 | |
| Return on Equity | 6.33% | 1.70% | 5.99% | 7.93% | Beats 60% | 8 / 20 | |
| Net Interest Margin | 5.12% | 3.56% | 3.85% | 4.24% | Beats 85% | 3 / 20 | |
| Efficiency Ratio | 63.29% | 66.59% | 84.75% | 93.62% | Beats 90% | 3 / 20 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 3.17% | 0.32% | 0.63% | 1.03% | Beats 10% | 19 / 20 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 29.45% | 13.24% | 17.38% | 21.71% | Beats 90% | 2 / 20 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 29.45% | 13.24% | 17.38% | 21.71% | Beats 90% | 2 / 20 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 46.16% | 36.24% | 50.72% | 82.35% | 45th pctl | 11 / 20 | |
| Loans / Assets | 31.71% | 30.61% | 46.06% | 66.54% | 35th pctl | 13 / 20 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||