New Johnsonvill, TN · Charter 67713
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
77
Asset Quality
56
Profitability
72
Liquidity
64
Efficiency
75
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.
New Johnsonvill, TN · Charter 67713
NCUA · 2 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 | 1.39% | 1.45% | 1.53% | 1.47% | 1.38% | 1.39% | 1.55% | 1.29% | -18 bps | |
| Return on Equity | 8.56% | 8.95% | 9.66% | 9.09% | 8.20% | 8.09% | 9.10% | 7.60% | -149 bps | |
| Net Interest Margin | 4.27% | 4.21% | 4.33% | 4.41% | 4.57% | 4.61% | 4.49% | 4.24% | -17 bps | |
| Efficiency Ratio | 61.79% | 61.53% | 59.28% | 58.03% | 58.98% | 60.26% | 67.99% | 68.91% | +1,088 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.15% | 3.11% | 6.13% | 6.62% | 5.15% | 2.70% | 1.28% | 3.17% | -344 bps | |
| Loan Growth (YoY) | 9.93% | 9.05% | 6.02% | 4.11% | 0.99% | -0.22% | -0.77% | -4.43% | -854 bps | |
| Share Growth (YoY) | 0.12% | 2.77% | 5.35% | 5.68% | 3.95% | 0.93% | -0.34% | 2.10% | -359 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.58% | 0.74% | 0.96% | 1.95% | 0.68% | 0.94% | 0.73% | 0.56% | -139 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 | 16.21% | 16.22% | 15.83% | 16.17% | 16.89% | 17.18% | 16.98% | 16.92% | +75 bps | |
| Net Worth / Assets | 16.21% | 16.22% | 15.83% | 16.17% | 16.89% | 17.18% | 16.98% | 16.92% | +75 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 66.16% | 64.80% | 60.68% | 62.24% | 64.28% | 64.06% | 60.42% | 58.26% | -398 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
New Johnsonvill, TN · Charter 67713 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 2 branches
Q2 2026
Return on Assets
1.29%
Rank 355 of 1,683
Net Interest Margin
4.24%
Rank 473 of 1,683
Efficiency Ratio
68.99%
Rank 426 of 1,682
Equity / Assets
16.92%
Rank 393 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.29% | 0.35% | 0.74% | 1.18% | Beats 79% | 355 / 1,683 | ||
| Return on Equity | 7.60% | 2.67% | 5.89% | 8.74% | Beats 66% | 571 / 1,681 | ||
| Net Interest Margin | 4.24% | 3.31% | 3.82% | 4.32% | Beats 72% | 473 / 1,683 | ||
| Efficiency Ratio | 68.99% | 68.91% | 78.20% | 86.93% | Beats 75% | 426 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.56% | 0.26% | 0.65% | 1.29% | Beats 56% | 746 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 16.92% | 10.44% | 12.89% | 16.53% | Beats 77% | 393 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 16.92% | 10.44% | 12.89% | 16.53% | Beats 77% | 393 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 58.26% | 52.61% | 69.38% | 83.50% | 33rd pctl | 1,134 / 1,683 | ||
| Loans / Assets | 48.29% | 44.71% | 59.18% | 70.72% | 31st pctl | 1,164 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||