Lawrenceburg, TN · Charter 67789
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
15
Asset Quality
54
Profitability
44
Liquidity
15
Efficiency
59
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.
Lawrenceburg, TN · Charter 67789
NCUA · 6 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 | 0.45% | 0.51% | 0.54% | 0.29% | 0.54% | +9 bps | |
| Return on Equity | 4.90% | 5.52% | 5.88% | 3.10% | 5.75% | +85 bps | |
| Net Interest Margin | 3.23% | 3.35% | 3.36% | 3.55% | 3.79% | +56 bps | |
| Efficiency Ratio | 74.55% | 73.40% | 73.52% | 78.86% | 75.39% | +84 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 11.61% | 8.88% | 3.97% | 3.13% | 3.86% | -775 bps | |
| Loan Growth (YoY) | 7.87% | 7.94% | 5.01% | 8.04% | 10.72% | +286 bps | |
| Share Growth (YoY) | 13.05% | 8.77% | 3.39% | 2.54% | 3.40% | -965 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.00% | 0.82% | 0.85% | 0.51% | 0.58% | -42 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 | 9.21% | 9.31% | 9.23% | 9.30% | 9.46% | +25 bps | |
| Net Worth / Assets | 9.21% | 9.31% | 9.23% | 9.30% | 9.46% | +25 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 82.84% | 84.30% | 80.77% | 82.03% | 88.71% | +587 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Lawrenceburg, TN · Charter 67789 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 6 branches
Q2 2026
Return on Assets
0.54%
Rank 1,079 of 1,683
Net Interest Margin
3.79%
Rank 871 of 1,683
Efficiency Ratio
75.38%
Rank 694 of 1,682
Equity / Assets
9.46%
Rank 1,432 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.54% | 0.35% | 0.74% | 1.18% | Beats 36% | 1,079 / 1,683 | |
| Return on Equity | 5.74% | 2.67% | 5.89% | 8.74% | Beats 48% | 866 / 1,681 | |
| Net Interest Margin | 3.79% | 3.31% | 3.82% | 4.32% | Beats 48% | 871 / 1,683 | |
| Efficiency Ratio | 75.38% | 68.91% | 78.20% | 86.93% | Beats 59% | 694 / 1,682 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.58% | 0.26% | 0.65% | 1.29% | Beats 54% | 771 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 9.46% | 10.44% | 12.89% | 16.53% | Beats 15% | 1,432 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 9.46% | 10.44% | 12.89% | 16.53% | Beats 15% | 1,432 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 88.71% | 52.61% | 69.38% | 83.50% | 84th pctl | 266 / 1,683 | |
| Loans / Assets | 80.16% | 44.71% | 59.18% | 70.72% | 92nd pctl | 134 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||