Chattanooga, TN · Charter 60619
NCUA · 3 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
37
Asset Quality
1
Profitability
32
Liquidity
8
Efficiency
67
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 60619
NCUA · 3 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 | -0.21% | -0.13% | 0.07% | 0.14% | 0.22% | 0.26% | 0.34% | 0.58% | +44 bps | |
| Return on Equity | -2.10% | -1.19% | 0.70% | 1.29% | 2.08% | 2.53% | 3.21% | 4.98% | +369 bps | |
| Net Interest Margin | 2.41% | 2.57% | 2.73% | 2.90% | 2.98% | 3.00% | 3.10% | 3.01% | +11 bps | |
| Efficiency Ratio | 97.22% | 94.13% | 88.16% | 85.55% | 82.03% | 80.87% | 81.15% | 72.37% | -1,318 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.01% | -4.47% | -3.27% | -3.21% | -3.26% | 3.28% | -0.32% | 12.04% | +1,525 bps | |
| Loan Growth (YoY) | -6.64% | -5.45% | -8.63% | -8.65% | -6.23% | -4.86% | -3.97% | -2.71% | +594 bps | |
| Share Growth (YoY) | -2.04% | -5.96% | -5.16% | -5.22% | -4.01% | 2.37% | 0.42% | 11.96% | +1,717 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.45% | 2.25% | 3.13% | 5.34% | 2.25% | 3.17% | 4.93% | 8.72% | +338 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 | 10.13% | 10.54% | 10.47% | 10.64% | 10.57% | 10.37% | 10.75% | 11.63% | +100 bps | |
| Net Worth / Assets | 10.13% | 10.54% | 10.47% | 10.64% | 10.57% | 10.37% | 10.75% | 11.63% | +100 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 47.78% | 49.34% | 46.53% | 47.30% | 46.67% | 45.85% | 44.50% | 41.11% | -620 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Chattanooga, TN · Charter 60619 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 3 branches
Q2 2026
Return on Assets
0.58%
Rank 1,036 of 1,683
Net Interest Margin
3.01%
Rank 1,453 of 1,683
Efficiency Ratio
72.41%
Rank 560 of 1,682
Equity / Assets
11.63%
Rank 1,055 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.58% | 0.35% | 0.74% | 1.18% | Beats 38% | 1,036 / 1,683 | ||
| Return on Equity | 5.00% | 2.67% | 5.89% | 8.74% | Beats 43% | 958 / 1,681 | ||
| Net Interest Margin | 3.01% | 3.31% | 3.82% | 4.32% | Beats 14% | 1,453 / 1,683 | ||
| Efficiency Ratio | 72.41% | 68.91% | 78.20% | 86.93% | Beats 67% | 560 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 8.72% | 0.26% | 0.65% | 1.29% | Beats 1% | 1,667 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 11.63% | 10.44% | 12.89% | 16.53% | Beats 37% | 1,055 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 11.63% | 10.44% | 12.89% | 16.53% | Beats 37% | 1,055 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 41.11% | 52.61% | 69.38% | 83.50% | 12th pctl | 1,480 / 1,683 | ||
| Loans / Assets | 36.48% | 44.71% | 59.18% | 70.72% | 15th pctl | 1,434 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||