Cleveland, TN · Charter 67976
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 Birmingham, AL area (n=29). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
17
Asset Quality
48
Profitability
29
Liquidity
2
Efficiency
38
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.
Cleveland, TN · Charter 67976
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 | -0.22% | -0.13% | -1.15% | -0.29% | -0.02% | 0.07% | 0.15% | 0.29% | +59 bps | |
| Return on Equity | -1.84% | -1.14% | -11.02% | -2.73% | -0.20% | 0.64% | 1.42% | 3.06% | +579 bps | |
| Net Interest Margin | 2.96% | 2.94% | 3.14% | 3.31% | 3.27% | 3.41% | 3.39% | 3.29% | -3 bps | |
| Efficiency Ratio | 94.15% | 93.80% | 95.45% | 91.87% | 90.85% | 90.93% | 89.76% | 85.08% | -679 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.41% | -3.83% | 1.10% | 3.68% | 9.66% | 2.35% | 4.59% | 16.12% | +1,244 bps | |
| Loan Growth (YoY) | -15.27% | -15.81% | -21.64% | -19.15% | -18.28% | -21.41% | -17.29% | -11.79% | +735 bps | |
| Share Growth (YoY) | -4.73% | 0.10% | 6.13% | 0.63% | 5.46% | 2.19% | 4.28% | 20.31% | +1,968 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.75% | 0.66% | 0.92% | 0.04% | 0.59% | 0.66% | 0.57% | 1.17% | +113 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 | 11.76% | 11.26% | 10.41% | 10.76% | 10.57% | 11.08% | 10.33% | 9.60% | -116 bps | |
| Net Worth / Assets | 11.76% | 11.26% | 10.41% | 10.76% | 10.57% | 11.08% | 10.33% | 9.60% | -116 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 49.54% | 45.83% | 40.72% | 40.41% | 38.39% | 35.24% | 32.29% | 29.62% | -1,078 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Cleveland, TN · Charter 67976 · Peer group: credit unions under $1B in assets in the Birmingham, AL area (n=29)
NCUA · 1 branch
Q2 2026
Return on Assets
0.29%
Rank 21 of 29
Net Interest Margin
3.29%
Rank 22 of 29
Efficiency Ratio
84.95%
Rank 19 of 29
Equity / Assets
9.60%
Rank 24 of 29
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.29% | 0.26% | 0.65% | 1.06% | Beats 28% | 21 / 29 | ||
| Return on Equity | 3.01% | 2.33% | 4.15% | 7.02% | Beats 34% | 19 / 29 | ||
| Net Interest Margin | 3.29% | 3.29% | 3.80% | 4.67% | Beats 24% | 22 / 29 | ||
| Efficiency Ratio | 84.95% | 67.71% | 81.00% | 89.29% | Beats 38% | 19 / 29 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.17% | 0.40% | 1.03% | 1.72% | Beats 48% | 16 / 29 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 9.60% | 10.13% | 13.97% | 19.12% | Beats 17% | 24 / 29 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 9.60% | 10.13% | 13.97% | 19.12% | Beats 17% | 24 / 29 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 29.62% | 40.72% | 55.53% | 68.24% | 10th pctl | 26 / 29 | ||
| Loans / Assets | 26.55% | 35.46% | 45.52% | 58.70% | 14th pctl | 25 / 29 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||