Nashville, TN · Charter 67982
NCUA · 7 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
20
Asset Quality
40
Profitability
75
Liquidity
79
Efficiency
75
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 67982
NCUA · 7 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 | 0.77% | 0.75% | 0.62% | 0.92% | 0.88% | 0.82% | 0.76% | 0.95% | +3 bps | |
| Return on Equity | 7.85% | 7.71% | 6.41% | 9.27% | 8.57% | 8.01% | 7.38% | 9.04% | -23 bps | |
| Net Interest Margin | 3.69% | 3.68% | 3.85% | 3.92% | 4.04% | 4.04% | 4.06% | 4.06% | +15 bps | |
| Efficiency Ratio | 77.14% | 76.44% | 76.10% | 73.05% | 73.48% | 74.12% | 76.26% | 76.26% | +321 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.37% | 2.09% | 1.97% | 2.35% | 3.37% | 2.51% | 1.49% | 1.45% | -90 bps | |
| Loan Growth (YoY) | -5.91% | -6.92% | -7.00% | -6.66% | -4.96% | -5.86% | -4.88% | -3.44% | +323 bps | |
| Share Growth (YoY) | -1.14% | 1.53% | 2.12% | 1.83% | 2.33% | 1.86% | 0.52% | 0.66% | -117 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.26% | 1.47% | 1.50% | 1.71% | 1.51% | 1.01% | 0.76% | 1.17% | -54 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 | 9.86% | 9.73% | 9.67% | 9.94% | 10.26% | 10.20% | 10.27% | 10.52% | +58 bps | |
| Net Worth / Assets | 9.86% | 9.73% | 9.67% | 9.94% | 10.26% | 10.20% | 10.27% | 10.52% | +58 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 81.79% | 78.91% | 75.04% | 74.04% | 75.96% | 72.93% | 71.01% | 71.03% | -301 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 67982 · Peer group: credit unions under $1B in assets in the Nashville-Davidson--Murfreesboro--Franklin, TN area (n=20)
NCUA · 7 branches
Q2 2026
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
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.95% | 0.15% | 0.58% | 0.95% | Beats 75% | 5 / 20 | ||
| Return on Equity | 9.04% | 1.78% | 3.59% | 7.03% | Beats 90% | 2 / 20 | ||
| Net Interest Margin | 4.06% | 3.56% | 3.88% | 4.49% | Beats 60% | 8 / 20 | ||
| Efficiency Ratio | 76.26% | 76.26% | 82.81% | 88.44% | Beats 75% | 6 / 20 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.17% | 0.67% | 0.85% | 1.86% | Beats 40% | 13 / 20 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 10.52% | 10.61% | 12.26% | 16.17% | Beats 20% | 16 / 20 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 10.52% | 10.61% | 12.26% | 16.17% | Beats 20% | 16 / 20 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 71.03% | 59.87% | 67.35% | 83.67% | 60th pctl | 8 / 20 | ||
| Loans / Assets | 63.35% | 49.71% | 59.07% | 68.75% | 60th pctl | 8 / 20 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||