Nashville, TN · Charter 67971
NCUA · 2 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
95
Asset Quality
100
Profitability
99
Liquidity
0
Efficiency
99
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 67971
NCUA · 2 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 | 3.32% | 3.25% | 3.98% | 5.15% | 4.21% | 4.13% | 4.13% | 4.43% | -71 bps | |
| Return on Equity | 14.55% | 13.90% | 16.77% | 20.78% | 16.06% | 15.34% | 18.28% | 16.69% | -409 bps | |
| Net Interest Margin | 5.23% | 5.27% | 6.03% | 6.10% | 6.25% | 6.25% | 6.19% | 6.40% | +31 bps | |
| Efficiency Ratio | 38.24% | 40.16% | 36.10% | 18.19% | 34.58% | 35.81% | 37.24% | 34.15% | +1,596 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.08% | 7.87% | 6.47% | 4.54% | -0.63% | -0.23% | 1.41% | 1.11% | -342 bps | |
| Loan Growth (YoY) | 3.06% | 0.83% | 3.92% | -2.62% | 2.25% | 3.89% | 5.23% | 11.03% | +1,365 bps | |
| Share Growth (YoY) | 6.99% | 6.32% | 4.40% | 1.99% | -4.58% | -4.35% | -1.99% | -2.33% | -431 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.41% | 0.51% | 0.02% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 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 | 0.64% | 0.66% | 0.45% | 0.37% | 0.39% | 0.40% | 0.39% | 0.39% | +2 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 22.82% | 23.35% | 23.74% | 24.77% | 26.22% | 26.90% | 22.62% | 26.57% | +179 bps | |
| Net Worth / Assets | 22.82% | 23.35% | 23.74% | 24.77% | 26.22% | 26.90% | 22.62% | 26.57% | +179 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 108.05% | 104.82% | 105.85% | 107.41% | 115.78% | 113.84% | 113.65% | 122.10% | +1,469 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 67971 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 2 branches
Q2 2026
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
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 4.43% | 0.35% | 0.74% | 1.18% | Beats 100% | 3 / 1,683 | ||
| Return on Equity | 16.69% | 2.67% | 5.89% | 8.74% | Beats 98% | 28 / 1,681 | ||
| Net Interest Margin | 6.41% | 3.31% | 3.82% | 4.32% | Beats 99% | 24 / 1,683 | ||
| Efficiency Ratio | 33.99% | 68.91% | 78.20% | 86.93% | Beats 99% | 12 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.00% | 0.26% | 0.65% | 1.29% | Beats 100% | 132 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 26.57% | 10.44% | 12.89% | 16.53% | Beats 95% | 79 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 26.57% | 10.44% | 12.89% | 16.53% | Beats 95% | 79 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 122.10% | 52.61% | 69.38% | 83.50% | 100th pctl | 5 / 1,683 | ||
| Loans / Assets | 89.32% | 44.71% | 59.18% | 70.72% | 99th pctl | 9 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||