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Tennessee Department of Safety

Nashville, TN · Charter 67971

NCUA · 2 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, credit unions under $1B in assets3

Basis

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.

Peer group

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.

Peer standing

Capital

95

Q2 2024Q2 2026peer median (50)

Asset Quality

100

Q2 2024Q2 2026peer median (50)

Profitability

99

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

99

Q2 2024Q2 2026peer median (50)

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.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Tennessee Department of Safety

Nashville, TN · Charter 67971

NCUA · 2 branches

Q2 2026

$12.0MAssets
$10.7MLoans
$8.7MShares
$3.2MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 4.43%, down 71 bps year over year; NIM at 6.40%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Capital: net worth / assets of 26.57%, up 179 bps from a year ago.
  • Funding: loans stand at 122.10% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

4.43%-71 bps YoY

Net Interest Margin (YTD, annualized)

6.40%+31 bps YoY

Efficiency Ratio (YTD, annualized)

34.15%+1,596 bps YoY

Net Worth / Assets

26.57%+179 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets5.15%4.21%4.13%4.13%4.43%-71 bps
Return on Equity20.78%16.06%15.34%18.28%16.69%-409 bps
Net Interest Margin6.10%6.25%6.25%6.19%6.40%+31 bps
Efficiency Ratio18.19%34.58%35.81%37.24%34.15%+1,596 bps
Growth
Asset Growth (YoY)4.54%-0.63%-0.23%1.41%1.11%-342 bps
Loan Growth (YoY)-2.62%2.25%3.89%5.23%11.03%+1,365 bps
Share Growth (YoY)1.99%-4.58%-4.35%-1.99%-2.33%-431 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.37%0.39%0.40%0.39%0.39%+2 bps
Capital
Risk-Based Capital24.77%26.22%26.90%22.62%26.57%+179 bps
Net Worth / Assets24.77%26.22%26.90%22.62%26.57%+179 bps
Liquidity & Funding
Loans / Shares107.41%115.78%113.84%113.65%122.10%+1,469 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Tennessee Department of Safety

Nashville, TN · Charter 67971 · Peer group: credit unions under $1B in assets (n=1,681-1,683)

NCUA · 2 branches

Q2 2026

$12.0MAssets
$10.7MLoans
$8.7MShares
$3.2MNet Worth

Executive Summary

  • Strongest standing: return on assets outperforms 100% of credit unions under $1B in assets (rank 3 of 1683).
  • Widest gap: equity / assets trails 5% of credit unions under $1B in assets (rank 79 of 1683).
  • Overall: at or above the peer median on 7 of 7 directional measures.

Return on Assets

4.43%

Rank 3 of 1,683

Net Interest Margin

6.41%

Rank 24 of 1,683

Efficiency Ratio

33.99%

Rank 12 of 1,682

Equity / Assets

26.57%

Rank 79 of 1,683

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets4.43%0.35%0.74%1.18%Beats 100%3 / 1,683
Return on Equity16.69%2.67%5.89%8.74%Beats 98%28 / 1,681
Net Interest Margin6.41%3.31%3.82%4.32%Beats 99%24 / 1,683
Efficiency Ratio33.99%68.91%78.20%86.93%Beats 99%12 / 1,682
Asset Quality
Nonperforming Loans / Loans0.00%0.26%0.65%1.29%Beats 100%132 / 1,682
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio26.57%10.44%12.89%16.53%Beats 95%79 / 1,683
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets26.57%10.44%12.89%16.53%Beats 95%79 / 1,683
Liquidity & Funding
Loans / Deposits122.10%52.61%69.38%83.50%100th pctl5 / 1,683
Loans / Assets89.32%44.71%59.18%70.72%99th pctl9 / 1,683
Brokered Deposits / Depositsn/aNot reported for this institution