Nashville, TN · Charter 67972
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 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
25
Asset Quality
70
Profitability
65
Liquidity
0
Efficiency
90
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 67972
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 | 0.55% | 0.71% | 1.04% | 1.14% | 1.11% | 1.10% | 1.17% | 1.09% | -5 bps | |
| Return on Equity | 5.46% | 7.00% | 10.09% | 10.84% | 10.49% | 10.52% | 11.20% | 10.23% | -60 bps | |
| Net Interest Margin | 3.33% | 3.38% | 3.57% | 3.64% | 3.63% | 3.57% | 3.47% | 3.48% | -16 bps | |
| Efficiency Ratio | 74.49% | 72.60% | 67.43% | 65.51% | 65.87% | 66.78% | 66.23% | 67.41% | +191 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.98% | 4.33% | 4.72% | 6.48% | 6.67% | 8.63% | 10.43% | 10.17% | +369 bps | |
| Loan Growth (YoY) | 6.80% | 7.44% | 9.55% | 9.34% | 8.60% | 9.59% | 8.74% | 9.17% | -17 bps | |
| Share Growth (YoY) | -1.46% | -0.25% | 3.00% | 6.30% | 8.29% | 11.82% | 10.62% | 10.63% | +434 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.70% | 0.83% | 0.71% | 0.77% | 0.82% | 0.79% | 0.55% | 0.68% | -9 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 | 10.05% | 10.18% | 10.28% | 10.51% | 10.54% | 10.47% | 10.42% | 10.61% | +11 bps | |
| Net Worth / Assets | 10.05% | 10.18% | 10.28% | 10.51% | 10.54% | 10.47% | 10.42% | 10.61% | +11 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 97.22% | 97.43% | 94.16% | 97.14% | 97.50% | 95.48% | 92.56% | 95.86% | -128 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 67972 · Peer group: credit unions under $1B in assets in the Nashville-Davidson--Murfreesboro--Franklin, TN area (n=20)
NCUA · 6 branches
Q2 2026
Return on Assets
1.09%
Rank 4 of 20
Net Interest Margin
3.48%
Rank 16 of 20
Efficiency Ratio
67.41%
Rank 3 of 20
Equity / Assets
10.61%
Rank 15 of 20
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.09% | 0.15% | 0.58% | 0.95% | Beats 80% | 4 / 20 | ||
| Return on Equity | 10.23% | 1.78% | 3.59% | 7.03% | Beats 95% | 1 / 20 | ||
| Net Interest Margin | 3.48% | 3.56% | 3.88% | 4.49% | Beats 20% | 16 / 20 | ||
| Efficiency Ratio | 67.41% | 76.26% | 82.81% | 88.44% | Beats 90% | 3 / 20 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.68% | 0.67% | 0.85% | 1.86% | Beats 70% | 7 / 20 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 10.61% | 10.61% | 12.26% | 16.17% | Beats 25% | 15 / 20 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 10.61% | 10.61% | 12.26% | 16.17% | Beats 25% | 15 / 20 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 95.86% | 59.87% | 67.35% | 83.67% | 90th pctl | 2 / 20 | ||
| Loans / Assets | 84.49% | 49.71% | 59.07% | 68.75% | 95th pctl | 1 / 20 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||