Erwin, TN · Charter 5549
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 (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
46
Asset Quality
76
Profitability
54
Liquidity
52
Efficiency
56
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.
Erwin, TN · Charter 5549
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 | 0.80% | 0.69% | 0.97% | 1.18% | 1.20% | 1.05% | 0.89% | 1.05% | -13 bps | |
| Return on Equity | 6.65% | 5.74% | 8.03% | 9.51% | 9.46% | 8.47% | 7.25% | 8.44% | -107 bps | |
| Net Interest Margin | 2.77% | 2.81% | 2.93% | 3.01% | 3.09% | 3.04% | 3.22% | 3.18% | +18 bps | |
| Efficiency Ratio | 74.33% | 74.24% | 72.79% | 72.49% | 71.33% | 74.17% | 76.04% | 76.10% | +361 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.95% | 4.79% | 4.59% | 4.64% | 1.98% | 5.87% | 6.92% | 7.78% | +314 bps | |
| Loan Growth (YoY) | 5.37% | 3.30% | 3.36% | 1.56% | -0.35% | 3.04% | 6.90% | 8.79% | +723 bps | |
| Share Growth (YoY) | 4.23% | 4.28% | 3.71% | 3.48% | 0.85% | 4.62% | 6.36% | 7.69% | +421 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.43% | 0.58% | 0.12% | 0.47% | 0.31% | 0.64% | 0.12% | 0.25% | -22 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 | 11.96% | 12.07% | 12.11% | 12.40% | 12.71% | 12.44% | 12.34% | 12.49% | +9 bps | |
| Net Worth / Assets | 11.96% | 12.07% | 12.11% | 12.40% | 12.71% | 12.44% | 12.34% | 12.49% | +9 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 55.23% | 54.48% | 54.28% | 54.00% | 54.58% | 53.66% | 54.55% | 54.55% | +55 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Erwin, TN · Charter 5549 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
1.05%
Rank 542 of 1,683
Net Interest Margin
3.18%
Rank 1,344 of 1,683
Efficiency Ratio
76.12%
Rank 734 of 1,682
Equity / Assets
12.49%
Rank 912 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.05% | 0.35% | 0.74% | 1.18% | Beats 68% | 542 / 1,683 | ||
| Return on Equity | 8.44% | 2.67% | 5.89% | 8.74% | Beats 73% | 458 / 1,681 | ||
| Net Interest Margin | 3.18% | 3.31% | 3.82% | 4.32% | Beats 20% | 1,344 / 1,683 | ||
| Efficiency Ratio | 76.12% | 68.91% | 78.20% | 86.93% | Beats 56% | 734 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.25% | 0.26% | 0.65% | 1.29% | Beats 76% | 403 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 12.49% | 10.44% | 12.89% | 16.53% | Beats 46% | 912 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 12.49% | 10.44% | 12.89% | 16.53% | Beats 46% | 912 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 54.55% | 52.61% | 69.38% | 83.50% | 27th pctl | 1,222 / 1,683 | ||
| Loans / Assets | 47.76% | 44.71% | 59.18% | 70.72% | 30th pctl | 1,176 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||