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P.I.A.S.

Brentwood, TN · Charter 67779

NCUA · 1 branch

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

85

Q2 2024Q2 2026peer median (50)

Asset Quality

100

Q2 2024Q2 2026peer median (50)

Profitability

45

Q2 2024Q2 2026peer median (50)

Liquidity

52

Q2 2024Q2 2026peer median

Efficiency

15

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

P.I.A.S.

Brentwood, TN · Charter 67779

NCUA · 1 branch

Q2 2026

$4.2MAssets
$2.1MLoans
$3.5MShares
$737KNet 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 0.37%, up 29 bps year over year; NIM at 4.07%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Capital: net worth / assets of 17.42%, down 509 bps from a year ago.
  • Funding: loans stand at 59.64% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.37%+29 bps YoY

Net Interest Margin (YTD, annualized)

4.07%-7 bps YoY

Efficiency Ratio (YTD, annualized)

91.59%-604 bps YoY

Net Worth / Assets

17.42%-509 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.08%0.09%-3.33%0.34%0.37%+29 bps
Return on Equity0.36%0.43%-19.42%1.98%2.11%+176 bps
Net Interest Margin4.14%4.02%3.84%4.02%4.07%-7 bps
Efficiency Ratio97.63%97.31%459%92.00%91.59%-604 bps
Growth
Asset Growth (YoY)-9.85%-3.86%5.16%6.01%9.16%+1,901 bps
Loan Growth (YoY)-3.72%-9.92%-8.43%1.42%-11.70%-797 bps
Share Growth (YoY)-9.37%-5.01%7.71%8.71%9.17%+1,854 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.04%1.10%1.12%1.11%1.21%+17 bps
Capital
Risk-Based Capital22.50%21.60%17.16%17.16%17.42%-509 bps
Net Worth / Assets22.50%21.60%17.16%17.16%17.42%-509 bps
Liquidity & Funding
Loans / Shares73.73%69.31%63.93%64.11%59.64%-1,409 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

P.I.A.S.

Brentwood, TN · Charter 67779 · Peer group: credit unions under $1B in assets in the Nashville-Davidson--Murfreesboro--Franklin, TN area (n=20)

NCUA · 1 branch

Q2 2026

$4.2MAssets
$2.1MLoans
$3.5MShares
$737KNet Worth

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of credit unions under $1B in assets in the Nashville-Davidson--Murfreesboro--Franklin, TN area (rank 1 of 20).
  • Widest gap: efficiency ratio trails 85% of credit unions under $1B in assets in the Nashville-Davidson--Murfreesboro--Franklin, TN area (rank 18 of 20).
  • Overall: at or above the peer median on 4 of 7 directional measures.

Return on Assets

0.38%

Rank 11 of 20

Net Interest Margin

4.06%

Rank 9 of 20

Efficiency Ratio

91.40%

Rank 18 of 20

Equity / Assets

17.41%

Rank 3 of 20

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.38%0.15%0.58%0.95%Beats 45%11 / 20
Return on Equity2.17%1.78%3.59%7.03%Beats 35%13 / 20
Net Interest Margin4.06%3.56%3.88%4.49%Beats 55%9 / 20
Efficiency Ratio91.40%76.26%82.81%88.44%Beats 15%18 / 20
Asset Quality
Nonperforming Loans / Loans0.00%0.67%0.85%1.86%Beats 100%1 / 20
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio17.41%10.61%12.26%16.17%Beats 85%3 / 20
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets17.41%10.61%12.26%16.17%Beats 85%3 / 20
Liquidity & Funding
Loans / Deposits59.64%59.87%67.35%83.67%20th pctl16 / 20
Loans / Assets49.08%49.71%59.07%68.75%20th pctl16 / 20
Brokered Deposits / Depositsn/aNot reported for this institution