Shelbyville, TN · Charter 67748
NCUA · 6 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
46
Profitability
89
Liquidity
3
Efficiency
76
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.
Shelbyville, TN · Charter 67748
NCUA · 6 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 | 1.90% | 1.59% | 1.60% | 1.56% | 1.47% | 1.29% | 2.02% | 1.89% | +33 bps | |
| Return on Equity | 11.99% | 10.04% | 10.05% | 9.76% | 9.26% | 7.93% | 12.11% | 11.10% | +134 bps | |
| Net Interest Margin | 4.35% | 4.36% | 4.35% | 4.35% | 4.33% | 4.45% | 4.70% | 4.73% | +39 bps | |
| Efficiency Ratio | 66.69% | 71.38% | 68.92% | 67.99% | 68.92% | 73.04% | 67.48% | 68.14% | +15 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.11% | 9.75% | 10.55% | 8.06% | 8.20% | 6.01% | 4.14% | 2.91% | -515 bps | |
| Loan Growth (YoY) | 7.29% | 4.91% | 4.66% | 6.54% | 7.23% | 9.53% | 7.56% | 6.01% | -52 bps | |
| Share Growth (YoY) | 2.48% | 5.24% | 8.06% | 7.26% | 8.44% | 10.22% | 5.87% | 6.18% | -108 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.33% | 0.31% | 0.38% | 0.47% | 0.36% | 0.40% | 0.43% | 0.75% | +28 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 | 15.83% | 15.84% | 15.89% | 16.01% | 15.91% | 16.23% | 16.66% | 17.02% | +101 bps | |
| Net Worth / Assets | 15.83% | 15.84% | 15.89% | 16.01% | 15.91% | 16.23% | 16.66% | 17.02% | +101 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 91.30% | 91.12% | 88.29% | 91.60% | 90.28% | 90.55% | 89.70% | 91.46% | -15 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Shelbyville, TN · Charter 67748 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 6 branches
Q2 2026
Return on Assets
1.89%
Rank 97 of 1,683
Net Interest Margin
4.73%
Rank 238 of 1,683
Efficiency Ratio
68.14%
Rank 400 of 1,682
Equity / Assets
17.02%
Rank 391 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.89% | 0.35% | 0.74% | 1.18% | Beats 94% | 97 / 1,683 | ||
| Return on Equity | 11.10% | 2.67% | 5.89% | 8.74% | Beats 88% | 199 / 1,681 | ||
| Net Interest Margin | 4.73% | 3.31% | 3.82% | 4.32% | Beats 86% | 238 / 1,683 | ||
| Efficiency Ratio | 68.14% | 68.91% | 78.20% | 86.93% | Beats 76% | 400 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.75% | 0.26% | 0.65% | 1.29% | Beats 46% | 916 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 17.02% | 10.44% | 12.89% | 16.53% | Beats 77% | 391 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 17.02% | 10.44% | 12.89% | 16.53% | Beats 77% | 391 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 91.46% | 52.61% | 69.38% | 83.50% | 89th pctl | 184 / 1,683 | ||
| Loans / Assets | 75.35% | 44.71% | 59.18% | 70.72% | 84th pctl | 274 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||