Knoxville, TN · Charter 68085
NCUA · 25 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 $1B-$10B in assets (n=435). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
49
Asset Quality
86
Profitability
65
Liquidity
60
Efficiency
97
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.
Knoxville, TN · Charter 68085
NCUA · 25 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 | 1.38% | 1.40% | 1.73% | 1.62% | 1.58% | 1.61% | 0.69% | 1.06% | -56 bps | |
| Return on Equity | 13.90% | 13.69% | 16.76% | 15.43% | 14.85% | 15.02% | 6.49% | 9.79% | -564 bps | |
| Net Interest Margin | 2.91% | 2.97% | 3.21% | 3.17% | 3.21% | 3.21% | 3.35% | 3.36% | +19 bps | |
| Efficiency Ratio | 58.63% | 58.26% | 53.54% | 55.40% | 54.25% | 53.30% | 52.52% | 52.86% | -254 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 10.75% | 7.46% | 5.93% | 6.68% | 8.17% | 11.17% | 10.19% | 9.85% | +317 bps | |
| Loan Growth (YoY) | 5.13% | 7.01% | 8.40% | 7.98% | 7.66% | 7.24% | 6.11% | 6.82% | -116 bps | |
| Share Growth (YoY) | 11.84% | 8.22% | 6.64% | 7.36% | 8.36% | 11.46% | 10.38% | 9.98% | +262 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.32% | 0.38% | 0.32% | 0.39% | 0.44% | 0.52% | 0.33% | 0.34% | -5 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 | 9.90% | 10.23% | 10.31% | 10.50% | 10.61% | 10.75% | 10.65% | 10.83% | +34 bps | |
| Net Worth / Assets | 9.90% | 10.23% | 10.31% | 10.50% | 10.61% | 10.75% | 10.65% | 10.83% | +34 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 95.88% | 97.90% | 96.88% | 96.79% | 95.26% | 94.19% | 93.13% | 94.01% | -278 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Knoxville, TN · Charter 68085 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 25 branches
Q2 2026
Return on Assets
1.06%
Rank 130 of 435
Net Interest Margin
3.36%
Rank 227 of 435
Efficiency Ratio
52.86%
Rank 15 of 435
Equity / Assets
10.83%
Rank 220 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.06% | 0.55% | 0.81% | 1.14% | Beats 70% | 130 / 435 | ||
| Return on Equity | 9.79% | 5.12% | 7.41% | 9.70% | Beats 76% | 105 / 435 | ||
| Net Interest Margin | 3.36% | 3.01% | 3.39% | 3.75% | Beats 48% | 227 / 435 | ||
| Efficiency Ratio | 52.86% | 65.25% | 71.39% | 77.86% | Beats 97% | 15 / 435 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.34% | 0.45% | 0.69% | 1.05% | Beats 86% | 60 / 435 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 10.83% | 9.81% | 10.84% | 12.63% | Beats 49% | 220 / 435 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 10.83% | 9.81% | 10.84% | 12.63% | Beats 49% | 220 / 435 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 94.01% | 78.33% | 88.38% | 95.61% | 71st pctl | 128 / 435 | ||
| Loans / Assets | 81.04% | 67.69% | 74.58% | 80.80% | 77th pctl | 102 / 435 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||