Nashville, TN · Charter 68071
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
50
Asset Quality
25
Profitability
67
Liquidity
4
Efficiency
70
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 68071
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 | 1.18% | 1.04% | 0.96% | 0.60% | 0.68% | 0.63% | 0.87% | 0.58% | -2 bps | |
| Return on Equity | 11.08% | 9.56% | 8.76% | 5.39% | 5.90% | 5.31% | 7.24% | 4.75% | -64 bps | |
| Net Interest Margin | 4.21% | 4.38% | 4.73% | 4.46% | 4.55% | 4.69% | 4.73% | 4.77% | +30 bps | |
| Efficiency Ratio | 70.93% | 73.02% | 72.21% | 77.47% | 76.53% | 77.94% | 77.79% | 76.26% | -121 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.53% | 8.02% | 6.89% | 3.39% | -1.83% | -3.26% | -3.68% | -2.23% | -563 bps | |
| Loan Growth (YoY) | 9.39% | 5.50% | 4.44% | -0.21% | -1.96% | 0.47% | 1.96% | 4.60% | +481 bps | |
| Share Growth (YoY) | 7.99% | 7.48% | 5.79% | 3.23% | -2.71% | -4.03% | -3.68% | -2.92% | -615 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.47% | 1.47% | 1.18% | 3.64% | 4.30% | 3.15% | 2.59% | 1.86% | -178 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 | 10.64% | 10.87% | 10.96% | 11.20% | 11.49% | 11.87% | 11.97% | 12.26% | +106 bps | |
| Net Worth / Assets | 10.64% | 10.87% | 10.96% | 11.20% | 11.49% | 11.87% | 11.97% | 12.26% | +106 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 82.91% | 81.31% | 80.79% | 81.63% | 83.54% | 85.11% | 85.52% | 87.96% | +633 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 68071 · 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
0.58%
Rank 10 of 20
Net Interest Margin
4.77%
Rank 2 of 20
Efficiency Ratio
76.29%
Rank 7 of 20
Equity / Assets
12.26%
Rank 10 of 20
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.58% | 0.15% | 0.58% | 0.95% | Beats 50% | 10 / 20 | ||
| Return on Equity | 4.73% | 1.78% | 3.59% | 7.03% | Beats 60% | 8 / 20 | ||
| Net Interest Margin | 4.77% | 3.56% | 3.88% | 4.49% | Beats 90% | 2 / 20 | ||
| Efficiency Ratio | 76.29% | 76.26% | 82.81% | 88.44% | Beats 70% | 7 / 20 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.86% | 0.67% | 0.85% | 1.86% | Beats 25% | 16 / 20 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 12.26% | 10.61% | 12.26% | 16.17% | Beats 50% | 10 / 20 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 12.26% | 10.61% | 12.26% | 16.17% | Beats 50% | 10 / 20 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 87.96% | 59.87% | 67.35% | 83.67% | 85th pctl | 3 / 20 | ||
| Loans / Assets | 76.85% | 49.71% | 59.07% | 68.75% | 80th pctl | 4 / 20 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||