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Old Hickory

Nashville, TN · Charter 67982

NCUA · 7 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, credit unions under $1B in assets in the Nashville-Davidson--Murfreesboro--Franklin, TN area3

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 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.

Peer standing

Capital

20

Q2 2024Q2 2026peer median (50)

Asset Quality

40

Q2 2024Q2 2026peer median (50)

Profitability

75

Q2 2024Q2 2026peer median (50)

Liquidity

79

Q2 2024Q2 2026peer median

Efficiency

75

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

Old Hickory

Nashville, TN · Charter 67982

NCUA · 7 branches

Q2 2026

$347.3MAssets
$220.0MLoans
$309.7MShares
$36.5MNet 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 0.95%, up 3 bps year over year; NIM at 4.06%.
  • Asset quality: problem loans at 1.17% of loans (-54 bps YoY).
  • Capital: net worth / assets of 10.52%, up 58 bps from a year ago.
  • Funding: loans stand at 71.03% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.95%+3 bps YoY

Net Interest Margin (YTD, annualized)

4.06%+15 bps YoY

Efficiency Ratio (YTD, annualized)

76.26%+321 bps YoY

Net Worth / Assets

10.52%+58 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.92%0.88%0.82%0.76%0.95%+3 bps
Return on Equity9.27%8.57%8.01%7.38%9.04%-23 bps
Net Interest Margin3.92%4.04%4.04%4.06%4.06%+15 bps
Efficiency Ratio73.05%73.48%74.12%76.26%76.26%+321 bps
Growth
Asset Growth (YoY)2.35%3.37%2.51%1.49%1.45%-90 bps
Loan Growth (YoY)-6.66%-4.96%-5.86%-4.88%-3.44%+323 bps
Share Growth (YoY)1.83%2.33%1.86%0.52%0.66%-117 bps
Asset Quality
Delinquent Loans / Loans1.71%1.51%1.01%0.76%1.17%-54 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital9.94%10.26%10.20%10.27%10.52%+58 bps
Net Worth / Assets9.94%10.26%10.20%10.27%10.52%+58 bps
Liquidity & Funding
Loans / Shares74.04%75.96%72.93%71.01%71.03%-301 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

Old Hickory

Nashville, TN · Charter 67982 · Peer group: credit unions under $1B in assets in the Nashville-Davidson--Murfreesboro--Franklin, TN area (n=20)

NCUA · 7 branches

Q2 2026

$347.3MAssets
$220.0MLoans
$309.7MShares
$36.5MNet Worth

Executive Summary

  • Strongest standing: return on equity outperforms 90% of credit unions under $1B in assets in the Nashville-Davidson--Murfreesboro--Franklin, TN area (rank 2 of 20).
  • Widest gap: equity / assets trails 80% of credit unions under $1B in assets in the Nashville-Davidson--Murfreesboro--Franklin, TN area (rank 16 of 20).
  • Overall: at or above the peer median on 4 of 7 directional measures.

Return on Assets

0.95%

Rank 5 of 20

Net Interest Margin

4.06%

Rank 8 of 20

Efficiency Ratio

76.26%

Rank 6 of 20

Equity / Assets

10.52%

Rank 16 of 20

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.95%0.15%0.58%0.95%Beats 75%5 / 20
Return on Equity9.04%1.78%3.59%7.03%Beats 90%2 / 20
Net Interest Margin4.06%3.56%3.88%4.49%Beats 60%8 / 20
Efficiency Ratio76.26%76.26%82.81%88.44%Beats 75%6 / 20
Asset Quality
Nonperforming Loans / Loans1.17%0.67%0.85%1.86%Beats 40%13 / 20
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio10.52%10.61%12.26%16.17%Beats 20%16 / 20
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets10.52%10.61%12.26%16.17%Beats 20%16 / 20
Liquidity & Funding
Loans / Deposits71.03%59.87%67.35%83.67%60th pctl8 / 20
Loans / Assets63.35%49.71%59.07%68.75%60th pctl8 / 20
Brokered Deposits / Depositsn/aNot reported for this institution