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Consumer

Greeneville, TN · Charter 60056

NCUA · 8 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, credit unions under $1B in assets3

Basis

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.

Peer group

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.

Peer standing

Capital

28

Q2 2024Q2 2026peer median (50)

Asset Quality

86

Q2 2024Q2 2026peer median (50)

Profitability

55

Q2 2024Q2 2026peer median (50)

Liquidity

5

Q2 2024Q2 2026peer median

Efficiency

87

Q2 2024Q2 2026peer median (50)

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.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Consumer

Greeneville, TN · Charter 60056

NCUA · 8 branches

Q2 2026

$660.5MAssets
$500.7MLoans
$549.8MShares
$70.7MNet Worth

Executive Summary

  • Earnings: ROA of 1.15%, up 50 bps year over year; NIM at 2.45%.
  • Asset quality: problem loans at 0.10% of loans (-6 bps YoY).
  • Capital: net worth / assets of 10.71%, up 59 bps from a year ago.
  • Funding: loans stand at 91.07% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

1.15%+50 bps YoY

Net Interest Margin (YTD, annualized)

2.45%+42 bps YoY

Efficiency Ratio (YTD, annualized)

62.25%-1,092 bps YoY

Net Worth / Assets

10.71%+59 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.26%0.33%0.55%0.65%0.75%0.79%1.08%1.15%+50 bps
Return on Equity2.64%3.29%5.38%6.46%7.31%7.69%10.27%10.74%+428 bps
Net Interest Margin1.59%1.68%1.97%2.03%2.12%2.15%2.40%2.45%+42 bps
Efficiency Ratio86.40%83.58%76.25%73.16%71.02%70.03%63.06%62.25%-1,092 bps
Growth
Asset Growth (YoY)0.21%-1.49%-2.93%0.57%1.98%4.58%6.26%4.65%+408 bps
Loan Growth (YoY)-5.73%-0.69%3.87%8.08%12.04%9.85%8.06%7.69%-40 bps
Share Growth (YoY)-0.94%-1.83%-1.51%-1.31%0.52%2.78%2.11%2.14%+346 bps
Asset Quality
Delinquent Loans / Loans0.18%0.17%0.19%0.15%0.09%0.10%0.12%0.10%-6 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital9.79%9.98%10.22%10.11%10.30%10.34%10.55%10.71%+59 bps
Net Worth / Assets9.79%9.98%10.22%10.11%10.30%10.34%10.55%10.71%+59 bps
Liquidity & Funding
Loans / Shares79.33%81.45%82.83%86.38%88.42%87.06%87.65%91.07%+469 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Consumer

Greeneville, TN · Charter 60056 · Peer group: credit unions under $1B in assets (n=1,681-1,683)

NCUA · 8 branches

Q2 2026

$660.5MAssets
$500.7MLoans
$549.8MShares
$70.7MNet Worth

Executive Summary

  • Strongest standing: return on equity outperforms 87% of credit unions under $1B in assets (rank 223 of 1681).
  • Widest gap: net interest margin trails 96% of credit unions under $1B in assets (rank 1621 of 1683).
  • Overall: at or above the peer median on 4 of 7 directional measures.

Return on Assets

1.15%

Rank 451 of 1,683

Net Interest Margin

2.45%

Rank 1,621 of 1,683

Efficiency Ratio

62.25%

Rank 227 of 1,682

Equity / Assets

10.71%

Rank 1,217 of 1,683

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.15%0.35%0.74%1.18%Beats 73%451 / 1,683
Return on Equity10.74%2.67%5.89%8.74%Beats 87%223 / 1,681
Net Interest Margin2.45%3.31%3.82%4.32%Beats 4%1,621 / 1,683
Efficiency Ratio62.25%68.91%78.20%86.93%Beats 87%227 / 1,682
Asset Quality
Nonperforming Loans / Loans0.10%0.26%0.65%1.29%Beats 86%231 / 1,682
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio10.71%10.44%12.89%16.53%Beats 28%1,217 / 1,683
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets10.71%10.44%12.89%16.53%Beats 28%1,217 / 1,683
Liquidity & Funding
Loans / Deposits91.07%52.61%69.38%83.50%88th pctl199 / 1,683
Loans / Assets75.80%44.71%59.18%70.72%85th pctl258 / 1,683
Brokered Deposits / Depositsn/aNot reported for this institution