Johnson City, TN · Charter 67701
NCUA · 3 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
60
Asset Quality
22
Profitability
31
Liquidity
67
Efficiency
11
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.
Johnson City, TN · Charter 67701
NCUA · 3 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 | 0.49% | 0.47% | -0.07% | 0.07% | 0.13% | 0.12% | -0.55% | -0.11% | -18 bps | |
| Return on Equity | 3.36% | 3.32% | -0.54% | 0.49% | 0.91% | 0.84% | -4.01% | -0.81% | -130 bps | |
| Net Interest Margin | 4.16% | 4.10% | 4.00% | 4.19% | 4.26% | 4.22% | 4.17% | 4.26% | +7 bps | |
| Efficiency Ratio | 85.73% | 85.92% | 92.19% | 92.70% | 90.54% | 90.92% | 104.11% | 94.97% | +227 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.28% | 0.92% | 2.61% | 0.84% | 2.04% | 1.17% | -0.94% | 1.35% | +51 bps | |
| Loan Growth (YoY) | 7.99% | 7.31% | 3.55% | 3.07% | 2.44% | 1.79% | 2.96% | 0.68% | -238 bps | |
| Share Growth (YoY) | -2.57% | 1.26% | 3.15% | 0.94% | 1.83% | 1.06% | -1.16% | 1.53% | +59 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.93% | 1.04% | 0.50% | 0.89% | 1.22% | 1.30% | 1.33% | 1.47% | +59 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 | 14.52% | 14.18% | 13.76% | 14.26% | 14.34% | 14.03% | 13.79% | 14.00% | -26 bps | |
| Net Worth / Assets | 14.52% | 14.18% | 13.76% | 14.26% | 14.34% | 14.03% | 13.79% | 14.00% | -26 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 79.16% | 77.80% | 74.33% | 77.56% | 79.63% | 78.37% | 77.44% | 76.91% | -65 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Johnson City, TN · Charter 67701 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 3 branches
Q2 2026
Return on Assets
-0.11%
Rank 1,516 of 1,683
Net Interest Margin
4.26%
Rank 458 of 1,683
Efficiency Ratio
94.91%
Rank 1,506 of 1,682
Equity / Assets
14.00%
Rank 674 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -0.11% | 0.35% | 0.74% | 1.18% | Beats 10% | 1,516 / 1,683 | ||
| Return on Equity | -0.81% | 2.67% | 5.89% | 8.74% | Beats 10% | 1,515 / 1,681 | ||
| Net Interest Margin | 4.26% | 3.31% | 3.82% | 4.32% | Beats 73% | 458 / 1,683 | ||
| Efficiency Ratio | 94.91% | 68.91% | 78.20% | 86.93% | Beats 11% | 1,506 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.47% | 0.26% | 0.65% | 1.29% | Beats 22% | 1,315 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 14.00% | 10.44% | 12.89% | 16.53% | Beats 60% | 674 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 14.00% | 10.44% | 12.89% | 16.53% | Beats 60% | 674 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 76.91% | 52.61% | 69.38% | 83.50% | 64th pctl | 612 / 1,683 | ||
| Loans / Assets | 65.88% | 44.71% | 59.18% | 70.72% | 64th pctl | 605 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||