Jackson, TN · Charter 60082
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
28
Asset Quality
8
Profitability
26
Liquidity
69
Efficiency
20
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.
Jackson, TN · Charter 60082
NCUA · 1 branch
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.17% | -0.21% | -0.21% | 0.03% | 0.04% | -14 bps | |
| Return on Equity | 1.68% | -1.93% | -2.01% | 0.32% | 0.33% | -135 bps | |
| Net Interest Margin | 3.50% | 4.00% | 3.87% | 3.74% | 3.87% | +36 bps | |
| Efficiency Ratio | 59.31% | 69.26% | 73.01% | 90.98% | 89.06% | +2,975 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -5.38% | -10.01% | -9.14% | -11.87% | -11.26% | -588 bps | |
| Loan Growth (YoY) | -25.35% | -26.03% | -25.39% | -24.68% | -21.51% | +384 bps | |
| Share Growth (YoY) | -5.78% | -11.17% | -9.97% | -12.58% | -12.44% | -666 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 4.33% | 2.65% | 1.92% | 2.34% | 2.92% | -141 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.25% | 11.14% | 10.41% | 10.50% | 10.76% | +51 bps | |
| Net Worth / Assets | 10.25% | 11.14% | 10.41% | 10.50% | 10.76% | +51 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 66.72% | 69.18% | 64.36% | 61.07% | 59.81% | -691 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Jackson, TN · Charter 60082 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
0.04%
Rank 1,466 of 1,683
Net Interest Margin
3.86%
Rank 802 of 1,683
Efficiency Ratio
89.07%
Rank 1,351 of 1,682
Equity / Assets
10.76%
Rank 1,204 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.04% | 0.35% | 0.74% | 1.18% | Beats 13% | 1,466 / 1,683 | |
| Return on Equity | 0.34% | 2.67% | 5.89% | 8.74% | Beats 13% | 1,465 / 1,681 | |
| Net Interest Margin | 3.86% | 3.31% | 3.82% | 4.32% | Beats 52% | 802 / 1,683 | |
| Efficiency Ratio | 89.07% | 68.91% | 78.20% | 86.93% | Beats 20% | 1,351 / 1,682 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 2.92% | 0.26% | 0.65% | 1.29% | Beats 8% | 1,547 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 10.76% | 10.44% | 12.89% | 16.53% | Beats 28% | 1,204 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 10.76% | 10.44% | 12.89% | 16.53% | Beats 28% | 1,204 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 59.81% | 52.61% | 69.38% | 83.50% | 34th pctl | 1,108 / 1,683 | |
| Loans / Assets | 53.05% | 44.71% | 59.18% | 70.72% | 39th pctl | 1,025 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||