Knoxville, TN · Charter 67778
NCUA · 4 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
92
Asset Quality
62
Profitability
65
Liquidity
95
Efficiency
96
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.
Knoxville, TN · Charter 67778
NCUA · 4 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 | 2.42% | 2.09% | 1.91% | 2.17% | 2.21% | 1.77% | 0.85% | 1.50% | -68 bps | |
| Return on Equity | 11.57% | 10.11% | 9.21% | 10.30% | 10.10% | 8.19% | 3.83% | 6.49% | -381 bps | |
| Net Interest Margin | 4.42% | 4.05% | 3.98% | 3.92% | 3.97% | 3.68% | 3.82% | 3.89% | -3 bps | |
| Efficiency Ratio | 44.70% | 48.42% | 54.04% | 48.21% | 48.86% | 55.73% | 50.94% | 51.01% | +280 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.29% | 2.53% | 5.25% | 6.61% | 5.19% | 4.18% | 0.03% | -2.40% | -901 bps | |
| Loan Growth (YoY) | -7.72% | -8.84% | -8.21% | -6.67% | -6.67% | -3.15% | -5.39% | -5.71% | +96 bps | |
| Share Growth (YoY) | -2.65% | 0.30% | 4.05% | 5.60% | 4.04% | 2.96% | -1.85% | -4.64% | -1,024 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.27% | 0.31% | 0.37% | 0.32% | 0.35% | 0.42% | 0.57% | 0.47% | +15 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 | 20.94% | 20.69% | 20.71% | 21.10% | 21.88% | 21.63% | 22.25% | 23.08% | +198 bps | |
| Net Worth / Assets | 20.94% | 20.69% | 20.71% | 21.10% | 21.88% | 21.63% | 22.25% | 23.08% | +198 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 78.29% | 74.10% | 72.78% | 71.42% | 70.23% | 69.71% | 70.15% | 70.61% | -80 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Knoxville, TN · Charter 67778 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 4 branches
Q2 2026
Return on Assets
1.50%
Rank 246 of 1,683
Net Interest Margin
3.89%
Rank 769 of 1,683
Efficiency Ratio
51.02%
Rank 68 of 1,682
Equity / Assets
23.08%
Rank 138 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.50% | 0.35% | 0.74% | 1.18% | Beats 85% | 246 / 1,683 | ||
| Return on Equity | 6.49% | 2.67% | 5.89% | 8.74% | Beats 56% | 740 / 1,681 | ||
| Net Interest Margin | 3.89% | 3.31% | 3.82% | 4.32% | Beats 54% | 769 / 1,683 | ||
| Efficiency Ratio | 51.02% | 68.91% | 78.20% | 86.93% | Beats 96% | 68 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.47% | 0.26% | 0.65% | 1.29% | Beats 62% | 647 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 23.08% | 10.44% | 12.89% | 16.53% | Beats 92% | 138 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 23.08% | 10.44% | 12.89% | 16.53% | Beats 92% | 138 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 70.62% | 52.61% | 69.38% | 83.50% | 52nd pctl | 805 / 1,683 | ||
| Loans / Assets | 53.41% | 44.71% | 59.18% | 70.72% | 40th pctl | 1,018 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||