Nashville, TN · Charter 67937
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
65
Asset Quality
30
Profitability
33
Liquidity
53
Efficiency
35
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 67937
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 | 0.89% | 0.63% | 0.14% | -0.47% | -1.12% | -1.12% | 0.39% | 0.30% | +77 bps | |
| Return on Equity | 4.82% | 3.29% | 0.74% | -2.47% | -6.40% | -6.45% | 2.39% | 1.92% | +439 bps | |
| Net Interest Margin | 4.05% | 4.12% | 3.63% | 3.64% | 3.64% | 3.75% | 4.17% | 3.71% | +8 bps | |
| Efficiency Ratio | 73.59% | 79.16% | 96.58% | 99.70% | 96.57% | 97.93% | 82.94% | 86.61% | -1,309 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 12.28% | 10.54% | -1.02% | -0.60% | 0.73% | 3.16% | 9.02% | 14.27% | +1,486 bps | |
| Loan Growth (YoY) | 7.10% | 3.15% | 2.19% | -0.47% | -2.52% | -1.32% | -3.56% | -7.70% | -722 bps | |
| Share Growth (YoY) | 14.71% | 12.53% | -1.72% | -0.88% | 1.70% | 5.33% | 13.03% | 19.37% | +2,026 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.99% | 6.08% | 5.31% | 3.10% | 1.55% | 1.49% | 0.89% | 1.34% | -176 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 | 18.51% | 19.04% | 19.17% | 18.93% | 17.46% | 17.33% | 16.47% | 15.79% | -314 bps | |
| Net Worth / Assets | 18.51% | 19.04% | 19.17% | 18.93% | 17.46% | 17.33% | 16.47% | 15.79% | -314 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 74.71% | 76.68% | 75.80% | 77.43% | 71.61% | 71.84% | 64.68% | 59.87% | -1,756 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 67937 · 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
0.30%
Rank 13 of 20
Net Interest Margin
3.72%
Rank 13 of 20
Efficiency Ratio
86.51%
Rank 14 of 20
Equity / Assets
15.79%
Rank 7 of 20
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.30% | 0.15% | 0.58% | 0.95% | Beats 35% | 13 / 20 | ||
| Return on Equity | 1.92% | 1.78% | 3.59% | 7.03% | Beats 30% | 14 / 20 | ||
| Net Interest Margin | 3.72% | 3.56% | 3.88% | 4.49% | Beats 35% | 13 / 20 | ||
| Efficiency Ratio | 86.51% | 76.26% | 82.81% | 88.44% | Beats 35% | 14 / 20 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.34% | 0.67% | 0.85% | 1.86% | Beats 30% | 15 / 20 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 15.79% | 10.61% | 12.26% | 16.17% | Beats 65% | 7 / 20 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 15.79% | 10.61% | 12.26% | 16.17% | Beats 65% | 7 / 20 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 59.87% | 59.87% | 67.35% | 83.67% | 25th pctl | 15 / 20 | ||
| Loans / Assets | 50.47% | 49.71% | 59.07% | 68.75% | 30th pctl | 14 / 20 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||