Chattanooga, TN · Charter 606
NCUA · 6 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 (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
35
Asset Quality
65
Profitability
25
Liquidity
0
Efficiency
49
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.
Chattanooga, TN · Charter 606
NCUA · 6 branches
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 | 0.50% | 0.51% | 0.48% | 0.50% | 0.51% | +2 bps | |
| Return on Equity | 4.43% | 4.49% | 4.27% | 4.41% | 4.50% | +7 bps | |
| Net Interest Margin | 1.85% | 1.87% | 1.88% | 2.00% | 2.03% | +19 bps | |
| Efficiency Ratio | 77.65% | 77.40% | 78.96% | 79.28% | 78.57% | +92 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 0.62% | 1.62% | 3.15% | 3.79% | 3.67% | +306 bps | |
| Loan Growth (YoY) | 1.17% | 1.51% | 2.33% | 1.25% | -1.17% | -234 bps | |
| Share Growth (YoY) | 0.40% | 1.37% | 3.00% | 3.69% | 3.56% | +316 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.17% | 0.09% | 0.13% | 0.10% | 0.41% | +24 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 | 11.19% | 11.33% | 11.23% | 11.30% | 11.42% | +24 bps | |
| Net Worth / Assets | 11.19% | 11.33% | 11.23% | 11.30% | 11.42% | +24 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 26.67% | 26.60% | 25.90% | 25.38% | 25.46% | -122 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Chattanooga, TN · Charter 606 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 6 branches
Q2 2026
Return on Assets
0.51%
Rank 1,118 of 1,683
Net Interest Margin
2.03%
Rank 1,653 of 1,683
Efficiency Ratio
78.56%
Rank 863 of 1,682
Equity / Assets
11.42%
Rank 1,089 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.51% | 0.35% | 0.74% | 1.18% | Beats 34% | 1,118 / 1,683 | |
| Return on Equity | 4.51% | 2.67% | 5.89% | 8.74% | Beats 39% | 1,019 / 1,681 | |
| Net Interest Margin | 2.03% | 3.31% | 3.82% | 4.32% | Beats 2% | 1,653 / 1,683 | |
| Efficiency Ratio | 78.56% | 68.91% | 78.20% | 86.93% | Beats 49% | 863 / 1,682 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.41% | 0.26% | 0.65% | 1.29% | Beats 65% | 583 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 11.42% | 10.44% | 12.89% | 16.53% | Beats 35% | 1,089 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 11.42% | 10.44% | 12.89% | 16.53% | Beats 35% | 1,089 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 25.46% | 52.61% | 69.38% | 83.50% | 3rd pctl | 1,631 / 1,683 | |
| Loans / Assets | 22.50% | 44.71% | 59.18% | 70.72% | 4th pctl | 1,621 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||