Nashville, TN · Charter 4809
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 Nashville-Davidson--Murfreesboro--Franklin, TN 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
70
Asset Quality
10
Profitability
28
Liquidity
0
Efficiency
60
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.
Nashville, TN · Charter 4809
NCUA · 1 branch
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 | 0.68% | 0.52% | 0.10% | -0.12% | 0.09% | -0.61% | -3.18% | -3.01% | -289 bps | |
| Return on Equity | 4.01% | 3.10% | 0.58% | -0.68% | 0.49% | -3.55% | -19.19% | -18.65% | -1,798 bps | |
| Net Interest Margin | 4.19% | 4.09% | 4.07% | 4.54% | 4.70% | 4.56% | 4.49% | 4.49% | -6 bps | |
| Efficiency Ratio | 73.17% | 72.59% | 78.71% | 74.30% | 73.88% | 73.27% | 82.18% | 78.50% | +420 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.05% | 3.37% | 6.57% | -1.36% | -6.33% | -5.65% | -8.53% | -4.36% | -300 bps | |
| Loan Growth (YoY) | -2.65% | -3.39% | -5.07% | -3.36% | -6.78% | -6.85% | -5.71% | -8.63% | -527 bps | |
| Share Growth (YoY) | 3.50% | 2.90% | 7.05% | -2.67% | -7.59% | -5.99% | -8.47% | -2.56% | +12 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 7.34% | 8.63% | 9.96% | 8.49% | 8.13% | 7.18% | 3.96% | 6.04% | -245 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 | 16.93% | 16.72% | 16.48% | 17.40% | 18.16% | 17.11% | 16.58% | 16.12% | -127 bps | |
| Net Worth / Assets | 16.93% | 16.72% | 16.48% | 17.40% | 18.16% | 17.11% | 16.58% | 16.12% | -127 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 104.99% | 100.52% | 95.02% | 103.12% | 105.91% | 99.59% | 97.89% | 96.70% | -642 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Nashville, TN · Charter 4809 · Peer group: credit unions under $1B in assets in the Nashville-Davidson--Murfreesboro--Franklin, TN area (n=20)
NCUA · 1 branch
Q2 2026
Return on Assets
-3.01%
Rank 19 of 20
Net Interest Margin
4.49%
Rank 5 of 20
Efficiency Ratio
78.44%
Rank 9 of 20
Equity / Assets
16.13%
Rank 6 of 20
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -3.01% | 0.15% | 0.58% | 0.95% | Beats 5% | 19 / 20 | ||
| Return on Equity | -18.68% | 1.78% | 3.59% | 7.03% | Beats 5% | 19 / 20 | ||
| Net Interest Margin | 4.49% | 3.56% | 3.88% | 4.49% | Beats 75% | 5 / 20 | ||
| Efficiency Ratio | 78.44% | 76.26% | 82.81% | 88.44% | Beats 60% | 9 / 20 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 6.04% | 0.67% | 0.85% | 1.86% | Beats 10% | 19 / 20 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 16.13% | 10.61% | 12.26% | 16.17% | Beats 70% | 6 / 20 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 16.13% | 10.61% | 12.26% | 16.17% | Beats 70% | 6 / 20 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 96.70% | 59.87% | 67.35% | 83.67% | 95th pctl | 1 / 20 | ||
| Loans / Assets | 80.58% | 49.71% | 59.07% | 68.75% | 90th pctl | 2 / 20 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||