Nashville, TN · Charter 66886
NCUA · 7 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 Nashville-Davidson--Murfreesboro--Franklin, TN 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
5
Asset Quality
95
Profitability
20
Liquidity
83
Efficiency
10
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.
Nashville, TN · Charter 66886
NCUA · 7 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 | -0.27% | 0.26% | 0.06% | 0.11% | 0.19% | 0.30% | 0.12% | 0.15% | +4 bps | |
| Return on Equity | -3.65% | 3.19% | 0.68% | 1.39% | 2.26% | 3.60% | 1.41% | 1.78% | +39 bps | |
| Net Interest Margin | 2.84% | 2.85% | 2.83% | 2.89% | 2.96% | 2.99% | 3.17% | 3.22% | +32 bps | |
| Efficiency Ratio | 97.83% | 85.04% | 88.86% | 90.76% | 88.53% | 86.21% | 92.20% | 91.95% | +119 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.81% | -6.33% | -4.66% | -4.75% | -4.05% | -1.01% | -1.64% | -2.20% | +254 bps | |
| Loan Growth (YoY) | -7.49% | -8.66% | -8.12% | -11.68% | -5.88% | -3.12% | -1.29% | -0.58% | +1,110 bps | |
| Share Growth (YoY) | -5.55% | -7.01% | -5.44% | -6.86% | -9.59% | -6.36% | -6.94% | -4.67% | +219 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.43% | 0.38% | 0.16% | 0.27% | 0.46% | 0.24% | 0.14% | 0.21% | -6 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 | 7.46% | 8.05% | 8.11% | 8.16% | 8.35% | 8.39% | 8.53% | 8.63% | +47 bps | |
| Net Worth / Assets | 7.46% | 8.05% | 8.11% | 8.16% | 8.35% | 8.39% | 8.53% | 8.63% | +47 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 68.30% | 67.17% | 65.64% | 67.28% | 71.10% | 69.50% | 69.63% | 70.17% | +289 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Nashville, TN · Charter 66886 · Peer group: credit unions under $1B in assets in the Nashville-Davidson--Murfreesboro--Franklin, TN area (n=20)
NCUA · 7 branches
Q2 2026
Return on Assets
0.15%
Rank 15 of 20
Net Interest Margin
3.22%
Rank 18 of 20
Efficiency Ratio
91.96%
Rank 19 of 20
Equity / Assets
8.63%
Rank 19 of 20
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.15% | 0.15% | 0.58% | 0.95% | Beats 25% | 15 / 20 | ||
| Return on Equity | 1.78% | 1.78% | 3.59% | 7.03% | Beats 25% | 15 / 20 | ||
| Net Interest Margin | 3.22% | 3.56% | 3.88% | 4.49% | Beats 10% | 18 / 20 | ||
| Efficiency Ratio | 91.96% | 76.26% | 82.81% | 88.44% | Beats 10% | 19 / 20 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.21% | 0.67% | 0.85% | 1.86% | Beats 95% | 2 / 20 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 8.63% | 10.61% | 12.26% | 16.17% | Beats 5% | 19 / 20 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 8.63% | 10.61% | 12.26% | 16.17% | Beats 5% | 19 / 20 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 70.17% | 59.87% | 67.35% | 83.67% | 55th pctl | 9 / 20 | ||
| Loans / Assets | 60.36% | 49.71% | 59.07% | 68.75% | 55th pctl | 9 / 20 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||