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Credit Union for Robertson County

Springfield, TN · Charter 67741

NCUA · 7 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, credit unions under $1B in assets in the Nashville-Davidson--Murfreesboro--Franklin, TN area3

Basis

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.

Peer group

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.

Peer standing

Capital

55

Q2 2024Q2 2026peer median (50)

Asset Quality

80

Q2 2024Q2 2026peer median (50)

Profitability

90

Q2 2024Q2 2026peer median (50)

Liquidity

51

Q2 2024Q2 2026peer median

Efficiency

55

Q2 2024Q2 2026peer median (50)

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.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Credit Union for Robertson County

Springfield, TN · Charter 67741

NCUA · 7 branches

Q2 2026

$85.3MAssets
$56.8MLoans
$73.5MShares
$11.2MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 1.16%, up 44 bps year over year; NIM at 5.14%.
  • Asset quality: problem loans at 0.59% of loans (-3 bps YoY).
  • Capital: net worth / assets of 13.12%, up 77 bps from a year ago.
  • Funding: loans stand at 77.35% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.16%+44 bps YoY

Net Interest Margin (YTD, annualized)

5.14%+15 bps YoY

Efficiency Ratio (YTD, annualized)

82.12%+195 bps YoY

Net Worth / Assets

13.12%+77 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.73%0.82%0.77%1.49%1.16%+44 bps
Return on Equity5.90%6.39%6.04%11.57%8.87%+297 bps
Net Interest Margin4.99%5.16%5.18%5.19%5.14%+15 bps
Efficiency Ratio80.17%78.36%78.77%80.40%82.12%+195 bps
Growth
Asset Growth (YoY)0.75%1.18%-0.39%-1.98%-0.02%-77 bps
Loan Growth (YoY)0.98%-0.78%0.37%-0.80%-4.00%-499 bps
Share Growth (YoY)1.06%1.85%-1.87%-3.34%-0.51%-157 bps
Asset Quality
Delinquent Loans / Loans0.62%0.50%0.61%0.19%0.59%-3 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital12.35%12.85%12.80%12.86%13.12%+77 bps
Net Worth / Assets12.35%12.85%12.80%12.86%13.12%+77 bps
Liquidity & Funding
Loans / Shares80.17%81.52%81.32%76.85%77.35%-282 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Credit Union for Robertson County

Springfield, TN · Charter 67741 · Peer group: credit unions under $1B in assets in the Nashville-Davidson--Murfreesboro--Franklin, TN area (n=20)

NCUA · 7 branches

Q2 2026

$85.3MAssets
$56.8MLoans
$73.5MShares
$11.2MNet Worth

Executive Summary

  • Strongest standing: net interest margin outperforms 95% of credit unions under $1B in assets in the Nashville-Davidson--Murfreesboro--Franklin, TN area (rank 1 of 20).
  • Widest gap: equity / assets trails 45% of credit unions under $1B in assets in the Nashville-Davidson--Murfreesboro--Franklin, TN area (rank 9 of 20).
  • Overall: at or above the peer median on 7 of 7 directional measures.

Return on Assets

1.16%

Rank 2 of 20

Net Interest Margin

5.14%

Rank 1 of 20

Efficiency Ratio

82.15%

Rank 10 of 20

Equity / Assets

13.12%

Rank 9 of 20

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.16%0.15%0.58%0.95%Beats 90%2 / 20
Return on Equity8.87%1.78%3.59%7.03%Beats 85%3 / 20
Net Interest Margin5.14%3.56%3.88%4.49%Beats 95%1 / 20
Efficiency Ratio82.15%76.26%82.81%88.44%Beats 55%10 / 20
Asset Quality
Nonperforming Loans / Loans0.59%0.67%0.85%1.86%Beats 80%5 / 20
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio13.12%10.61%12.26%16.17%Beats 55%9 / 20
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets13.12%10.61%12.26%16.17%Beats 55%9 / 20
Liquidity & Funding
Loans / Deposits77.35%59.87%67.35%83.67%65th pctl7 / 20
Loans / Assets66.63%49.71%59.07%68.75%65th pctl7 / 20
Brokered Deposits / Depositsn/aNot reported for this institution