Oak Ridge, TN · Charter 6775
NCUA · 23 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 $1B-$10B in assets (n=435). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
42
Asset Quality
68
Profitability
85
Liquidity
0
Efficiency
79
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.
Oak Ridge, TN · Charter 6775
NCUA · 23 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 | 1.23% | 1.00% | 0.90% | 1.38% | 1.44% | +21 bps | |
| Return on Equity | 10.82% | 10.10% | 8.98% | 13.61% | 13.65% | +283 bps | |
| Net Interest Margin | 3.41% | 3.11% | 3.22% | 3.59% | 3.65% | +24 bps | |
| Efficiency Ratio | 61.71% | 61.99% | 63.55% | 62.42% | 63.44% | +172 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 17.10% | 26.77% | 26.81% | 25.76% | 19.51% | +242 bps | |
| Loan Growth (YoY) | 9.05% | 29.08% | 29.10% | 26.54% | 24.27% | +1,522 bps | |
| Share Growth (YoY) | 7.76% | 25.43% | 23.48% | 24.85% | 21.81% | +1,405 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.36% | 0.38% | 0.48% | 0.43% | 0.52% | +15 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 | 11.34% | 9.86% | 9.96% | 10.16% | 10.53% | -81 bps | |
| Net Worth / Assets | 11.34% | 9.86% | 9.96% | 10.16% | 10.53% | -81 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 100.81% | 103.84% | 104.82% | 100.23% | 102.85% | +204 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Oak Ridge, TN · Charter 6775 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 23 branches
Q2 2026
Return on Assets
1.44%
Rank 43 of 435
Net Interest Margin
3.65%
Rank 135 of 435
Efficiency Ratio
63.44%
Rank 92 of 435
Equity / Assets
10.53%
Rank 254 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.44% | 0.55% | 0.81% | 1.14% | Beats 90% | 43 / 435 | |
| Return on Equity | 13.65% | 5.12% | 7.41% | 9.70% | Beats 96% | 16 / 435 | |
| Net Interest Margin | 3.65% | 3.01% | 3.39% | 3.75% | Beats 69% | 135 / 435 | |
| Efficiency Ratio | 63.44% | 65.25% | 71.39% | 77.86% | Beats 79% | 92 / 435 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.52% | 0.45% | 0.69% | 1.05% | Beats 68% | 140 / 435 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 10.53% | 9.81% | 10.84% | 12.63% | Beats 42% | 254 / 435 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 10.53% | 9.81% | 10.84% | 12.63% | Beats 42% | 254 / 435 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 102.85% | 78.33% | 88.38% | 95.61% | 91st pctl | 40 / 435 | |
| Loans / Assets | 81.70% | 67.69% | 74.58% | 80.80% | 81st pctl | 84 / 435 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||