Atoka, TN · Charter 60726
NCUA · 2 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 in the Memphis, TN-MS-AR 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
20
Asset Quality
45
Profitability
70
Liquidity
40
Efficiency
70
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.
Atoka, TN · Charter 60726
NCUA · 2 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 | 0.76% | 0.42% | 0.21% | 0.74% | 1.14% | +38 bps | |
| Return on Equity | 6.96% | 3.77% | 1.98% | 6.81% | 9.91% | +295 bps | |
| Net Interest Margin | 4.24% | 4.30% | 4.24% | 3.84% | 3.85% | -39 bps | |
| Efficiency Ratio | 72.00% | 59.18% | 66.21% | 81.97% | 71.93% | -7 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.31% | -2.07% | 3.59% | -1.73% | -2.58% | -589 bps | |
| Loan Growth (YoY) | -2.11% | -16.23% | -12.59% | -14.73% | -23.58% | -2,147 bps | |
| Share Growth (YoY) | 1.47% | 0.99% | 1.46% | -1.96% | -2.57% | -404 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.66% | 1.75% | 0.76% | 0.90% | 0.63% | -204 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 | 10.96% | 11.06% | 10.75% | 10.86% | 11.52% | +56 bps | |
| Net Worth / Assets | 10.96% | 11.06% | 10.75% | 10.86% | 11.52% | +56 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 90.28% | 86.19% | 87.00% | 77.66% | 70.82% | -1,946 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Atoka, TN · Charter 60726 · Peer group: credit unions under $1B in assets in the Memphis, TN-MS-AR area (n=20)
NCUA · 2 branches
Q2 2026
Return on Assets
1.14%
Rank 6 of 20
Net Interest Margin
3.85%
Rank 9 of 20
Efficiency Ratio
71.98%
Rank 7 of 20
Equity / Assets
11.52%
Rank 16 of 20
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.14% | 0.17% | 0.80% | 1.30% | Beats 70% | 6 / 20 | |
| Return on Equity | 9.90% | 1.70% | 5.99% | 7.93% | Beats 85% | 3 / 20 | |
| Net Interest Margin | 3.85% | 3.56% | 3.85% | 4.24% | Beats 55% | 9 / 20 | |
| Efficiency Ratio | 71.98% | 66.59% | 84.75% | 93.62% | Beats 70% | 7 / 20 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.63% | 0.32% | 0.63% | 1.03% | Beats 45% | 12 / 20 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 11.52% | 13.24% | 17.38% | 21.71% | Beats 20% | 16 / 20 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 11.52% | 13.24% | 17.38% | 21.71% | Beats 20% | 16 / 20 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 70.82% | 36.24% | 50.72% | 82.35% | 65th pctl | 7 / 20 | |
| Loans / Assets | 62.27% | 30.61% | 46.06% | 66.54% | 70th pctl | 6 / 20 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||