Nashville, TN · Charter 67922
NCUA · 1 branch
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 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.
Capital
75
Asset Quality
60
Profitability
17
Liquidity
53
Efficiency
80
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.
Nashville, TN · Charter 67922
NCUA · 1 branch
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 | 0.33% | 0.46% | 0.36% | 0.28% | 0.34% | 0.37% | -1.09% | 0.09% | -19 bps | |
| Return on Equity | 1.85% | 2.53% | 2.05% | 1.64% | 1.98% | 2.19% | -6.73% | 0.54% | -110 bps | |
| Net Interest Margin | 2.84% | 2.84% | 2.87% | 2.96% | 3.04% | 2.95% | 3.09% | 3.25% | +28 bps | |
| Efficiency Ratio | 90.93% | 87.89% | 80.95% | 77.46% | 76.43% | 76.83% | 81.33% | 72.37% | -510 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.81% | 6.08% | 9.28% | 9.18% | 5.12% | 8.68% | 6.55% | 6.01% | -317 bps | |
| Loan Growth (YoY) | 5.69% | 5.26% | 4.93% | 3.63% | 3.70% | 4.53% | 8.83% | 11.92% | +829 bps | |
| Share Growth (YoY) | 1.60% | 3.47% | 6.24% | 8.29% | 4.61% | 8.35% | 6.88% | 6.68% | -161 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.39% | 1.33% | 0.73% | 1.07% | 0.87% | 1.25% | 0.80% | 0.76% | -30 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 | 18.05% | 18.01% | 17.57% | 17.13% | 17.34% | 16.66% | 16.23% | 16.17% | -96 bps | |
| Net Worth / Assets | 18.05% | 18.01% | 17.57% | 17.13% | 17.34% | 16.66% | 16.23% | 16.17% | -96 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 59.22% | 58.21% | 57.20% | 57.07% | 58.71% | 56.16% | 58.24% | 59.87% | +280 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Nashville, TN · Charter 67922 · Peer group: credit unions under $1B in assets in the Nashville-Davidson--Murfreesboro--Franklin, TN area (n=20)
NCUA · 1 branch
Q2 2026
Return on Assets
0.09%
Rank 16 of 20
Net Interest Margin
3.25%
Rank 17 of 20
Efficiency Ratio
72.40%
Rank 5 of 20
Equity / Assets
16.17%
Rank 5 of 20
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.09% | 0.15% | 0.58% | 0.95% | Beats 20% | 16 / 20 | ||
| Return on Equity | 0.55% | 1.78% | 3.59% | 7.03% | Beats 15% | 17 / 20 | ||
| Net Interest Margin | 3.25% | 3.56% | 3.88% | 4.49% | Beats 15% | 17 / 20 | ||
| Efficiency Ratio | 72.40% | 76.26% | 82.81% | 88.44% | Beats 80% | 5 / 20 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.76% | 0.67% | 0.85% | 1.86% | Beats 60% | 9 / 20 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 16.17% | 10.61% | 12.26% | 16.17% | Beats 75% | 5 / 20 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 16.17% | 10.61% | 12.26% | 16.17% | Beats 75% | 5 / 20 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 59.87% | 59.87% | 67.35% | 83.67% | 30th pctl | 14 / 20 | ||
| Loans / Assets | 49.71% | 49.71% | 59.07% | 68.75% | 25th pctl | 15 / 20 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||