Chattanooga, TN · Charter 62537
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
76
Asset Quality
67
Profitability
25
Liquidity
80
Efficiency
61
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 62537
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 | 0.69% | 0.71% | 0.77% | 0.78% | 0.79% | 0.74% | 0.51% | 0.56% | -22 bps | |
| Return on Equity | 4.05% | 4.22% | 4.53% | 4.65% | 4.59% | 4.30% | 3.03% | 3.34% | -131 bps | |
| Net Interest Margin | 2.68% | 2.66% | 2.82% | 2.81% | 2.83% | 2.82% | 2.77% | 2.78% | -4 bps | |
| Efficiency Ratio | 71.92% | 70.81% | 71.06% | 70.50% | 70.50% | 69.67% | 76.12% | 74.63% | +412 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.66% | 8.41% | 8.55% | 8.61% | 4.43% | 3.24% | 3.85% | 3.74% | -487 bps | |
| Loan Growth (YoY) | 1.50% | 0.92% | 1.76% | -1.05% | -2.29% | 0.35% | -0.17% | 1.21% | +226 bps | |
| Share Growth (YoY) | 10.80% | 9.22% | 9.39% | 9.45% | 4.28% | 3.05% | 3.85% | 3.71% | -575 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.65% | 0.71% | 0.30% | 1.74% | 1.17% | 1.16% | 1.03% | 0.39% | -135 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 | 17.08% | 16.93% | 16.90% | 16.85% | 17.15% | 17.14% | 16.94% | 16.86% | +1 bps | |
| Net Worth / Assets | 17.08% | 16.93% | 16.90% | 16.85% | 17.15% | 17.14% | 16.94% | 16.86% | +1 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 70.11% | 68.11% | 67.44% | 64.92% | 65.69% | 66.33% | 64.83% | 63.36% | -156 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 62537 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
0.56%
Rank 1,055 of 1,683
Net Interest Margin
2.78%
Rank 1,549 of 1,683
Efficiency Ratio
74.62%
Rank 661 of 1,682
Equity / Assets
16.86%
Rank 396 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.56% | 0.35% | 0.74% | 1.18% | Beats 37% | 1,055 / 1,683 | ||
| Return on Equity | 3.34% | 2.67% | 5.89% | 8.74% | Beats 30% | 1,171 / 1,681 | ||
| Net Interest Margin | 2.78% | 3.31% | 3.82% | 4.32% | Beats 8% | 1,549 / 1,683 | ||
| Efficiency Ratio | 74.62% | 68.91% | 78.20% | 86.93% | Beats 61% | 661 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.39% | 0.26% | 0.65% | 1.29% | Beats 67% | 564 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 16.86% | 10.44% | 12.89% | 16.53% | Beats 76% | 396 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 16.86% | 10.44% | 12.89% | 16.53% | Beats 76% | 396 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 63.36% | 52.61% | 69.38% | 83.50% | 40th pctl | 1,012 / 1,683 | ||
| Loans / Assets | 52.56% | 44.71% | 59.18% | 70.72% | 38th pctl | 1,038 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||