Knoxville, TN · Charter 67793
NCUA · 3 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
83
Asset Quality
89
Profitability
80
Liquidity
74
Efficiency
73
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 67793
NCUA · 3 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 | 1.78% | 1.70% | 1.60% | 1.37% | 1.51% | -27 bps | |
| Return on Equity | 10.02% | 9.51% | 9.19% | 7.61% | 8.03% | -199 bps | |
| Net Interest Margin | 4.73% | 4.67% | 4.46% | 4.63% | 4.65% | -7 bps | |
| Efficiency Ratio | 68.73% | 69.29% | 69.51% | 71.17% | 70.01% | +128 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 4.04% | 3.20% | 8.76% | 4.52% | 2.74% | -131 bps | |
| Loan Growth (YoY) | 0.16% | 3.07% | -0.39% | -4.84% | -9.06% | -921 bps | |
| Share Growth (YoY) | 2.71% | 1.59% | 7.09% | 3.56% | 1.40% | -131 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 0.03% | 0.10% | 0.00% | 0.04% | +4 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 | 17.74% | 17.84% | 17.36% | 18.01% | 18.82% | +108 bps | |
| Net Worth / Assets | 17.74% | 17.84% | 17.36% | 18.01% | 18.82% | +108 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 68.55% | 68.02% | 64.86% | 62.19% | 61.48% | -707 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Knoxville, TN · Charter 67793 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 3 branches
Q2 2026
Return on Assets
1.50%
Rank 242 of 1,683
Net Interest Margin
4.65%
Rank 265 of 1,683
Efficiency Ratio
70.12%
Rank 459 of 1,682
Equity / Assets
18.82%
Rank 281 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.50% | 0.35% | 0.74% | 1.18% | Beats 86% | 242 / 1,683 | |
| Return on Equity | 7.99% | 2.67% | 5.89% | 8.74% | Beats 69% | 515 / 1,681 | |
| Net Interest Margin | 4.65% | 3.31% | 3.82% | 4.32% | Beats 84% | 265 / 1,683 | |
| Efficiency Ratio | 70.12% | 68.91% | 78.20% | 86.93% | Beats 73% | 459 / 1,682 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.05% | 0.26% | 0.65% | 1.29% | Beats 89% | 180 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 18.82% | 10.44% | 12.89% | 16.53% | Beats 83% | 281 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 18.82% | 10.44% | 12.89% | 16.53% | Beats 83% | 281 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 61.48% | 52.61% | 69.38% | 83.50% | 37th pctl | 1,066 / 1,683 | |
| Loans / Assets | 49.66% | 44.71% | 59.18% | 70.72% | 33rd pctl | 1,132 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||