Nashville, TN · Charter 67979
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 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
40
Asset Quality
55
Profitability
78
Liquidity
90
Efficiency
45
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 67979
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 | 0.79% | 1.01% | 0.84% | 0.77% | 0.93% | 0.91% | 1.13% | 0.80% | +3 bps | |
| Return on Equity | 7.32% | 9.03% | 7.52% | 6.94% | 8.19% | 8.06% | 9.97% | 7.12% | +17 bps | |
| Net Interest Margin | 4.36% | 4.49% | 4.38% | 4.57% | 4.68% | 4.64% | 4.72% | 4.64% | +7 bps | |
| Efficiency Ratio | 81.28% | 76.40% | 80.26% | 79.20% | 76.89% | 76.70% | 82.12% | 84.71% | +552 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.60% | 1.75% | 1.11% | 4.44% | 5.01% | 7.41% | 7.85% | 7.42% | +298 bps | |
| Loan Growth (YoY) | 1.25% | 0.04% | -3.49% | -8.13% | -7.20% | -8.29% | -5.63% | -1.34% | +680 bps | |
| Share Growth (YoY) | -1.14% | 1.17% | 1.67% | 4.04% | 4.40% | 6.96% | 6.10% | 7.28% | +323 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.07% | 0.14% | 0.12% | 0.66% | 1.05% | 1.08% | 0.60% | 0.79% | +13 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 | 10.83% | 11.20% | 11.21% | 11.14% | 11.37% | 11.30% | 11.33% | 11.25% | +10 bps | |
| Net Worth / Assets | 10.83% | 11.20% | 11.21% | 11.14% | 11.37% | 11.30% | 11.33% | 11.25% | +10 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 78.56% | 79.16% | 73.77% | 70.57% | 69.83% | 67.87% | 65.62% | 64.90% | -567 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 67979 · Peer group: credit unions under $1B in assets in the Nashville-Davidson--Murfreesboro--Franklin, TN area (n=20)
NCUA · 1 branch
Q2 2026
Return on Assets
0.80%
Rank 6 of 20
Net Interest Margin
4.64%
Rank 3 of 20
Efficiency Ratio
84.67%
Rank 12 of 20
Equity / Assets
11.25%
Rank 12 of 20
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.80% | 0.15% | 0.58% | 0.95% | Beats 70% | 6 / 20 | ||
| Return on Equity | 7.11% | 1.78% | 3.59% | 7.03% | Beats 80% | 4 / 20 | ||
| Net Interest Margin | 4.64% | 3.56% | 3.88% | 4.49% | Beats 85% | 3 / 20 | ||
| Efficiency Ratio | 84.67% | 76.26% | 82.81% | 88.44% | Beats 45% | 12 / 20 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.79% | 0.67% | 0.85% | 1.86% | Beats 55% | 10 / 20 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 11.25% | 10.61% | 12.26% | 16.17% | Beats 40% | 12 / 20 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 11.25% | 10.61% | 12.26% | 16.17% | Beats 40% | 12 / 20 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 64.90% | 59.87% | 67.35% | 83.67% | 40th pctl | 12 / 20 | ||
| Loans / Assets | 57.31% | 49.71% | 59.07% | 68.75% | 45th pctl | 11 / 20 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||