Chattanooga, TN · Charter 63802
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
58
Asset Quality
27
Profitability
34
Liquidity
50
Efficiency
5
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 63802
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 | -0.39% | -0.42% | -0.20% | -0.12% | -0.09% | 0.05% | -0.81% | -0.38% | -27 bps | |
| Return on Equity | -2.76% | -2.99% | -1.39% | -0.84% | -0.62% | 0.32% | -5.73% | -2.79% | -196 bps | |
| Net Interest Margin | 4.44% | 4.51% | 4.70% | 4.69% | 4.89% | 4.83% | 4.93% | 4.80% | +12 bps | |
| Efficiency Ratio | 98.53% | 101.13% | 103.36% | 101.98% | 101.44% | 99.25% | 113.62% | 106.58% | +460 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -13.22% | -12.86% | -10.03% | -2.11% | -1.69% | 1.37% | -1.23% | -0.37% | +174 bps | |
| Loan Growth (YoY) | -14.37% | -18.53% | -18.23% | -19.64% | -13.20% | -10.39% | -13.58% | -14.32% | +531 bps | |
| Share Growth (YoY) | -11.33% | -10.86% | -8.10% | -2.09% | -2.16% | 1.54% | -1.30% | -0.24% | +184 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.23% | 0.47% | 0.75% | 1.00% | 1.16% | 0.26% | 0.25% | 1.20% | +19 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 | 0.22% | 0.70% | 0.47% | 0.50% | 0.51% | 0.38% | 0.41% | 0.27% | -23 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 14.01% | 14.00% | 14.11% | 13.79% | 14.06% | 13.86% | 14.18% | 13.75% | -4 bps | |
| Net Worth / Assets | 14.01% | 14.00% | 14.11% | 13.79% | 14.06% | 13.86% | 14.18% | 13.75% | -4 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 72.21% | 68.22% | 65.70% | 62.95% | 64.06% | 60.21% | 57.53% | 54.06% | -888 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 63802 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
-0.40%
Rank 1,562 of 1,683
Net Interest Margin
4.81%
Rank 198 of 1,683
Efficiency Ratio
106.28%
Rank 1,593 of 1,682
Equity / Assets
13.75%
Rank 711 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -0.40% | 0.35% | 0.74% | 1.18% | Beats 7% | 1,562 / 1,683 | ||
| Return on Equity | -2.88% | 2.67% | 5.89% | 8.74% | Beats 7% | 1,569 / 1,681 | ||
| Net Interest Margin | 4.81% | 3.31% | 3.82% | 4.32% | Beats 88% | 198 / 1,683 | ||
| Efficiency Ratio | 106.28% | 68.91% | 78.20% | 86.93% | Beats 5% | 1,593 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.19% | 0.26% | 0.65% | 1.29% | Beats 27% | 1,223 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 13.75% | 10.44% | 12.89% | 16.53% | Beats 58% | 711 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 13.75% | 10.44% | 12.89% | 16.53% | Beats 58% | 711 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 54.06% | 52.61% | 69.38% | 83.50% | 27th pctl | 1,232 / 1,683 | ||
| Loans / Assets | 46.47% | 44.71% | 59.18% | 70.72% | 28th pctl | 1,213 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||