Bristol, TN · Charter 4714
NCUA · 6 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
55
Asset Quality
66
Profitability
38
Liquidity
86
Efficiency
63
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.
Bristol, TN · Charter 4714
NCUA · 6 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 | 0.60% | 0.67% | 0.53% | 0.82% | 0.78% | 0.88% | 0.63% | 0.55% | -27 bps | |
| Return on Equity | 4.85% | 5.41% | 4.28% | 6.58% | 6.25% | 6.52% | 4.72% | 4.06% | -253 bps | |
| Net Interest Margin | 3.33% | 3.28% | 3.43% | 3.48% | 3.58% | 3.54% | 3.54% | 3.67% | +19 bps | |
| Efficiency Ratio | 71.51% | 71.98% | 79.62% | 70.80% | 69.95% | 69.07% | 77.32% | 73.68% | +288 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 10.21% | 12.56% | 0.88% | 3.46% | 4.31% | 6.56% | 7.17% | 6.17% | +271 bps | |
| Loan Growth (YoY) | 10.66% | 10.48% | 0.48% | 2.63% | 5.48% | 5.10% | 3.06% | 0.76% | -187 bps | |
| Share Growth (YoY) | 9.07% | 11.99% | -0.01% | 2.49% | 3.75% | 4.85% | 5.64% | 4.78% | +229 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.56% | 0.80% | 0.22% | 0.48% | 0.47% | 0.43% | 0.26% | 0.40% | -7 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 | 12.31% | 12.40% | 12.36% | 12.41% | 12.52% | 13.52% | 13.41% | 13.49% | +108 bps | |
| Net Worth / Assets | 12.31% | 12.40% | 12.36% | 12.41% | 12.52% | 13.52% | 13.41% | 13.49% | +108 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 75.90% | 74.61% | 73.49% | 75.35% | 77.17% | 74.78% | 71.69% | 72.46% | -289 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Bristol, TN · Charter 4714 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 6 branches
Q2 2026
Return on Assets
0.55%
Rank 1,076 of 1,683
Net Interest Margin
3.67%
Rank 972 of 1,683
Efficiency Ratio
73.69%
Rank 625 of 1,682
Equity / Assets
13.49%
Rank 750 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.55% | 0.35% | 0.74% | 1.18% | Beats 36% | 1,076 / 1,683 | ||
| Return on Equity | 4.06% | 2.67% | 5.89% | 8.74% | Beats 36% | 1,082 / 1,681 | ||
| Net Interest Margin | 3.67% | 3.31% | 3.82% | 4.32% | Beats 42% | 972 / 1,683 | ||
| Efficiency Ratio | 73.69% | 68.91% | 78.20% | 86.93% | Beats 63% | 625 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.40% | 0.26% | 0.65% | 1.29% | Beats 66% | 579 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 13.49% | 10.44% | 12.89% | 16.53% | Beats 55% | 750 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 13.49% | 10.44% | 12.89% | 16.53% | Beats 55% | 750 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 72.46% | 52.61% | 69.38% | 83.50% | 56th pctl | 745 / 1,683 | ||
| Loans / Assets | 62.41% | 44.71% | 59.18% | 70.72% | 57th pctl | 716 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||