Knoxville, TN · Charter 67666
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 (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
1
Asset Quality
51
Profitability
28
Liquidity
85
Efficiency
41
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.
Knoxville, TN · Charter 67666
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 | 0.59% | 0.61% | 0.56% | 0.13% | 0.19% | -40 bps | |
| Return on Equity | 7.88% | 8.11% | 7.50% | 1.81% | 2.59% | -528 bps | |
| Net Interest Margin | 4.05% | 4.03% | 3.98% | 3.72% | 3.70% | -35 bps | |
| Efficiency Ratio | 78.02% | 78.42% | 77.69% | 82.17% | 81.11% | +309 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 7.55% | 9.26% | 7.56% | 7.94% | 8.73% | +118 bps | |
| Loan Growth (YoY) | 9.55% | 8.82% | 9.50% | -5.96% | -7.35% | -1,690 bps | |
| Share Growth (YoY) | 7.77% | 9.52% | 10.62% | 8.23% | 9.56% | +179 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.67% | 0.56% | 0.95% | 0.72% | 0.64% | -103 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 | 7.49% | 7.54% | 7.47% | 7.23% | 7.18% | -31 bps | |
| Net Worth / Assets | 7.49% | 7.54% | 7.47% | 7.23% | 7.18% | -31 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 86.15% | 83.69% | 79.05% | 74.51% | 72.85% | -1,330 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Knoxville, TN · Charter 67666 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 2 branches
Q2 2026
Return on Assets
0.19%
Rank 1,394 of 1,683
Net Interest Margin
3.70%
Rank 944 of 1,683
Efficiency Ratio
81.15%
Rank 988 of 1,682
Equity / Assets
7.18%
Rank 1,660 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.19% | 0.35% | 0.74% | 1.18% | Beats 17% | 1,394 / 1,683 | |
| Return on Equity | 2.58% | 2.67% | 5.89% | 8.74% | Beats 24% | 1,280 / 1,681 | |
| Net Interest Margin | 3.70% | 3.31% | 3.82% | 4.32% | Beats 44% | 944 / 1,683 | |
| Efficiency Ratio | 81.15% | 68.91% | 78.20% | 86.93% | Beats 41% | 988 / 1,682 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.64% | 0.26% | 0.65% | 1.29% | Beats 51% | 829 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 7.18% | 10.44% | 12.89% | 16.53% | Beats 1% | 1,660 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 7.18% | 10.44% | 12.89% | 16.53% | Beats 1% | 1,660 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 72.85% | 52.61% | 69.38% | 83.50% | 57th pctl | 730 / 1,683 | |
| Loans / Assets | 67.66% | 44.71% | 59.18% | 70.72% | 68th pctl | 535 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||