Nashville, TN · Charter 60483
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
90
Asset Quality
35
Profitability
78
Liquidity
23
Efficiency
85
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 60483
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 | 1.11% | 1.07% | 2.10% | 1.30% | 1.47% | 1.60% | 1.83% | 1.28% | -2 bps | |
| Return on Equity | 6.81% | 6.74% | 13.03% | 7.74% | 8.34% | 8.59% | 9.92% | 7.02% | -72 bps | |
| Net Interest Margin | 3.56% | 3.48% | 4.66% | 3.95% | 4.14% | 4.31% | 5.06% | 4.09% | +14 bps | |
| Efficiency Ratio | 75.43% | 75.12% | 60.04% | 69.55% | 67.42% | 65.53% | 61.58% | 69.24% | -31 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 14.11% | 16.45% | 14.52% | 8.60% | -0.17% | -7.01% | -4.90% | 0.25% | -835 bps | |
| Loan Growth (YoY) | -0.13% | -0.72% | -1.80% | 1.34% | 0.87% | -0.63% | 0.62% | -2.05% | -339 bps | |
| Share Growth (YoY) | 15.09% | 17.94% | 15.84% | 8.61% | -1.97% | -10.30% | -7.44% | -1.41% | -1,001 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.40% | 1.15% | 0.98% | 0.97% | 1.27% | 0.57% | 0.11% | 1.19% | +23 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 | 16.23% | 15.84% | 16.11% | 16.74% | 17.65% | 18.63% | 18.43% | 18.20% | +146 bps | |
| Net Worth / Assets | 16.23% | 15.84% | 16.11% | 16.74% | 17.65% | 18.63% | 18.43% | 18.20% | +146 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 85.08% | 81.42% | 80.31% | 84.23% | 87.54% | 90.20% | 87.29% | 83.67% | -55 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 60483 · 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
1.28%
Rank 1 of 20
Net Interest Margin
4.08%
Rank 7 of 20
Efficiency Ratio
69.31%
Rank 4 of 20
Equity / Assets
18.20%
Rank 2 of 20
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.28% | 0.15% | 0.58% | 0.95% | Beats 95% | 1 / 20 | ||
| Return on Equity | 7.03% | 1.78% | 3.59% | 7.03% | Beats 75% | 5 / 20 | ||
| Net Interest Margin | 4.08% | 3.56% | 3.88% | 4.49% | Beats 65% | 7 / 20 | ||
| Efficiency Ratio | 69.31% | 76.26% | 82.81% | 88.44% | Beats 85% | 4 / 20 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.19% | 0.67% | 0.85% | 1.86% | Beats 35% | 14 / 20 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 18.20% | 10.61% | 12.26% | 16.17% | Beats 90% | 2 / 20 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 18.20% | 10.61% | 12.26% | 16.17% | Beats 90% | 2 / 20 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 83.67% | 59.87% | 67.35% | 83.67% | 75th pctl | 5 / 20 | ||
| Loans / Assets | 67.67% | 49.71% | 59.07% | 68.75% | 70th pctl | 6 / 20 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||