Nashville, TN · Charter 67720
NCUA · 5 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
45
Asset Quality
65
Profitability
53
Liquidity
44
Efficiency
65
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 67720
NCUA · 5 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 | 0.64% | 0.81% | 0.82% | 0.57% | 0.79% | +15 bps | |
| Return on Equity | 5.54% | 7.09% | 7.11% | 5.12% | 6.86% | +131 bps | |
| Net Interest Margin | 3.52% | 3.51% | 3.58% | 3.50% | 3.56% | +4 bps | |
| Efficiency Ratio | 76.91% | 75.35% | 74.34% | 81.68% | 77.88% | +96 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 5.39% | 5.48% | 5.13% | 7.67% | 6.75% | +136 bps | |
| Loan Growth (YoY) | 4.47% | 5.80% | 6.13% | 6.47% | 4.62% | +15 bps | |
| Share Growth (YoY) | 5.97% | 6.27% | 5.34% | 8.59% | 6.97% | +100 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.35% | 0.22% | 0.74% | 0.67% | 0.70% | +36 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 | 11.48% | 11.47% | 11.47% | 11.19% | 11.52% | +4 bps | |
| Net Worth / Assets | 11.48% | 11.47% | 11.47% | 11.19% | 11.52% | +4 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 80.69% | 81.07% | 81.37% | 78.50% | 78.92% | -177 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Nashville, TN · Charter 67720 · Peer group: credit unions under $1B in assets in the Nashville-Davidson--Murfreesboro--Franklin, TN area (n=20)
NCUA · 5 branches
Q2 2026
Return on Assets
0.79%
Rank 7 of 20
Net Interest Margin
3.56%
Rank 15 of 20
Efficiency Ratio
77.89%
Rank 8 of 20
Equity / Assets
11.52%
Rank 11 of 20
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.79% | 0.15% | 0.58% | 0.95% | Beats 65% | 7 / 20 | |
| Return on Equity | 6.86% | 1.78% | 3.59% | 7.03% | Beats 70% | 6 / 20 | |
| Net Interest Margin | 3.56% | 3.56% | 3.88% | 4.49% | Beats 25% | 15 / 20 | |
| Efficiency Ratio | 77.89% | 76.26% | 82.81% | 88.44% | Beats 65% | 8 / 20 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.70% | 0.67% | 0.85% | 1.86% | Beats 65% | 8 / 20 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 11.52% | 10.61% | 12.26% | 16.17% | Beats 45% | 11 / 20 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 11.52% | 10.61% | 12.26% | 16.17% | Beats 45% | 11 / 20 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 78.92% | 59.87% | 67.35% | 83.67% | 70th pctl | 6 / 20 | |
| Loans / Assets | 68.75% | 49.71% | 59.07% | 68.75% | 75th pctl | 5 / 20 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||