Collierville, TN · Charter 5974
NCUA · 7 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 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
15
Asset Quality
15
Profitability
22
Liquidity
14
Efficiency
40
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.
Collierville, TN · Charter 5974
NCUA · 7 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 | 0.61% | 0.61% | 0.49% | 0.53% | 0.56% | 0.58% | 0.47% | 0.17% | -36 bps | |
| Return on Equity | 6.23% | 6.01% | 4.85% | 5.31% | 5.58% | 5.60% | 4.61% | 1.70% | -361 bps | |
| Net Interest Margin | 3.13% | 3.18% | 3.17% | 3.17% | 3.24% | 3.30% | 3.25% | 3.26% | +9 bps | |
| Efficiency Ratio | 78.87% | 79.21% | 81.29% | 79.21% | 78.59% | 78.89% | 80.98% | 87.76% | +854 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.32% | -0.18% | 0.34% | 2.78% | 3.44% | 4.27% | 3.80% | 2.30% | -48 bps | |
| Loan Growth (YoY) | 8.01% | 8.96% | 6.83% | 12.61% | 18.52% | 14.07% | 12.62% | 6.61% | -599 bps | |
| Share Growth (YoY) | 0.54% | -0.89% | -0.56% | 2.03% | 2.74% | 3.13% | 3.15% | 2.02% | -1 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.26% | 2.57% | 2.03% | 1.84% | 1.56% | 1.48% | 1.42% | 1.72% | -12 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 | 9.84% | 10.14% | 10.05% | 9.94% | 10.07% | 10.30% | 10.25% | 10.11% | +17 bps | |
| Net Worth / Assets | 9.84% | 10.14% | 10.05% | 9.94% | 10.07% | 10.30% | 10.25% | 10.11% | +17 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 70.51% | 73.65% | 74.05% | 77.08% | 81.34% | 81.46% | 80.84% | 80.55% | +347 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Collierville, TN · Charter 5974 · Peer group: credit unions under $1B in assets in the Memphis, TN-MS-AR area (n=20)
NCUA · 7 branches
Q2 2026
Return on Assets
0.17%
Rank 15 of 20
Net Interest Margin
3.27%
Rank 17 of 20
Efficiency Ratio
87.75%
Rank 13 of 20
Equity / Assets
10.11%
Rank 17 of 20
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.17% | 0.17% | 0.80% | 1.30% | Beats 25% | 15 / 20 | ||
| Return on Equity | 1.70% | 1.70% | 5.99% | 7.93% | Beats 25% | 15 / 20 | ||
| Net Interest Margin | 3.27% | 3.56% | 3.85% | 4.24% | Beats 15% | 17 / 20 | ||
| Efficiency Ratio | 87.75% | 66.59% | 84.75% | 93.62% | Beats 40% | 13 / 20 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.72% | 0.32% | 0.63% | 1.03% | Beats 15% | 18 / 20 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 10.11% | 13.24% | 17.38% | 21.71% | Beats 15% | 17 / 20 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 10.11% | 13.24% | 17.38% | 21.71% | Beats 15% | 17 / 20 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 80.55% | 36.24% | 50.72% | 82.35% | 70th pctl | 6 / 20 | ||
| Loans / Assets | 72.35% | 30.61% | 46.06% | 66.54% | 90th pctl | 2 / 20 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||