Calhoun, TN · Charter 67970
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
29
Asset Quality
46
Profitability
90
Liquidity
48
Efficiency
84
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.
Calhoun, TN · Charter 67970
NCUA · 6 branches
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 | 1.48% | 1.31% | -0.04% | 0.67% | 0.91% | 1.12% | 1.29% | 1.74% | +106 bps | |
| Return on Equity | 15.75% | 14.87% | -0.48% | 7.53% | 9.49% | 11.06% | 12.48% | 16.13% | +859 bps | |
| Net Interest Margin | 3.82% | 3.48% | 3.47% | 3.71% | 4.08% | 4.22% | 4.57% | 4.56% | +85 bps | |
| Efficiency Ratio | 67.96% | 68.65% | 80.68% | 73.84% | 71.07% | 69.89% | 64.54% | 64.30% | -954 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.56% | 19.06% | 20.28% | 15.78% | 8.16% | -2.64% | -5.27% | -2.83% | -1,861 bps | |
| Loan Growth (YoY) | 5.43% | 3.95% | 10.64% | 5.84% | 6.50% | 6.19% | 6.37% | 7.68% | +184 bps | |
| Share Growth (YoY) | 9.32% | 20.10% | 21.26% | 16.89% | 7.87% | -4.00% | -7.00% | -4.65% | -2,155 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.72% | 0.89% | 0.60% | 0.70% | 0.89% | 0.85% | 0.58% | 0.74% | +4 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 | 9.40% | 8.80% | 8.45% | 8.94% | 9.63% | 10.12% | 10.31% | 10.77% | +183 bps | |
| Net Worth / Assets | 9.40% | 8.80% | 8.45% | 8.94% | 9.63% | 10.12% | 10.31% | 10.77% | +183 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 77.41% | 69.39% | 70.81% | 71.93% | 76.43% | 76.76% | 80.99% | 81.24% | +930 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Calhoun, TN · Charter 67970 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 6 branches
Q2 2026
Return on Assets
1.74%
Rank 150 of 1,683
Net Interest Margin
4.56%
Rank 299 of 1,683
Efficiency Ratio
64.30%
Rank 274 of 1,682
Equity / Assets
10.77%
Rank 1,198 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.74% | 0.35% | 0.74% | 1.18% | Beats 91% | 150 / 1,683 | ||
| Return on Equity | 16.13% | 2.67% | 5.89% | 8.74% | Beats 98% | 35 / 1,681 | ||
| Net Interest Margin | 4.56% | 3.31% | 3.82% | 4.32% | Beats 82% | 299 / 1,683 | ||
| Efficiency Ratio | 64.30% | 68.91% | 78.20% | 86.93% | Beats 84% | 274 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.74% | 0.26% | 0.65% | 1.29% | Beats 46% | 910 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 10.77% | 10.44% | 12.89% | 16.53% | Beats 29% | 1,198 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 10.77% | 10.44% | 12.89% | 16.53% | Beats 29% | 1,198 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 81.24% | 52.61% | 69.38% | 83.50% | 72nd pctl | 476 / 1,683 | ||
| Loans / Assets | 71.92% | 44.71% | 59.18% | 70.72% | 77th pctl | 381 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||