Chattanooga, TN · Charter 67738
NCUA · 1 branch
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
95
Asset Quality
86
Profitability
54
Liquidity
0
Efficiency
25
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.
Chattanooga, TN · Charter 67738
NCUA · 1 branch
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 | 0.53% | 0.72% | 0.80% | 0.59% | 0.82% | +29 bps | |
| Return on Equity | 2.79% | 3.58% | 3.88% | 2.72% | 3.21% | +42 bps | |
| Net Interest Margin | 3.54% | 3.76% | 3.85% | 3.82% | 4.43% | +89 bps | |
| Efficiency Ratio | 88.06% | 84.24% | 80.92% | 84.03% | 87.13% | -93 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -1.77% | -4.04% | -1.95% | -4.85% | -23.67% | -2,190 bps | |
| Loan Growth (YoY) | -13.22% | -13.94% | -14.39% | -16.19% | -33.55% | -2,033 bps | |
| Share Growth (YoY) | -2.15% | -5.88% | -3.41% | -6.98% | -29.73% | -2,758 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.11% | +11 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 | 19.03% | 20.12% | 20.71% | 21.49% | 25.64% | +661 bps | |
| Net Worth / Assets | 19.03% | 20.12% | 20.71% | 21.49% | 25.64% | +661 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 32.69% | 32.66% | 32.90% | 29.92% | 30.91% | -178 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Chattanooga, TN · Charter 67738 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
0.81%
Rank 766 of 1,683
Net Interest Margin
4.43%
Rank 362 of 1,683
Efficiency Ratio
87.01%
Rank 1,266 of 1,682
Equity / Assets
25.64%
Rank 90 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.81% | 0.35% | 0.74% | 1.18% | Beats 54% | 766 / 1,683 | |
| Return on Equity | 3.18% | 2.67% | 5.89% | 8.74% | Beats 29% | 1,191 / 1,681 | |
| Net Interest Margin | 4.43% | 3.31% | 3.82% | 4.32% | Beats 78% | 362 / 1,683 | |
| Efficiency Ratio | 87.01% | 68.91% | 78.20% | 86.93% | Beats 25% | 1,266 / 1,682 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.10% | 0.26% | 0.65% | 1.29% | Beats 86% | 237 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 25.64% | 10.44% | 12.89% | 16.53% | Beats 95% | 90 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 25.64% | 10.44% | 12.89% | 16.53% | Beats 95% | 90 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 30.90% | 52.61% | 69.38% | 83.50% | 5th pctl | 1,592 / 1,683 | |
| Loans / Assets | 22.87% | 44.71% | 59.18% | 70.72% | 4th pctl | 1,615 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||