Kingsport, TN · Charter 68095
NCUA · 30 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 any (n=25). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
88
Asset Quality
92
Profitability
75
Liquidity
64
Efficiency
92
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.
Kingsport, TN · Charter 68095
NCUA · 30 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 | 1.63% | 1.46% | 1.69% | 1.77% | 1.77% | 1.67% | 1.79% | 1.95% | +18 bps | |
| Return on Equity | 11.77% | 10.64% | 12.27% | 12.60% | 12.49% | 11.67% | 12.47% | 13.13% | +53 bps | |
| Net Interest Margin | 2.91% | 2.73% | 3.02% | 3.13% | 3.13% | 2.97% | 3.17% | 3.30% | +17 bps | |
| Efficiency Ratio | 49.37% | 51.05% | 49.35% | 47.05% | 45.86% | 46.75% | 46.72% | 44.20% | -285 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 13.62% | 13.47% | 11.41% | 10.33% | 9.20% | 8.90% | 8.00% | 6.91% | -342 bps | |
| Loan Growth (YoY) | 9.52% | 8.29% | 7.62% | 6.90% | 5.38% | 4.36% | 4.34% | 3.68% | -322 bps | |
| Share Growth (YoY) | 13.90% | 13.78% | 11.32% | 10.05% | 8.63% | 8.24% | 7.01% | 5.66% | -440 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.20% | 0.21% | 0.11% | 0.20% | 0.23% | 0.28% | 0.15% | 0.31% | +10 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 | 13.81% | 13.75% | 13.74% | 14.04% | 14.20% | 14.27% | 14.38% | 14.87% | +84 bps | |
| Net Worth / Assets | 13.81% | 13.75% | 13.74% | 14.04% | 14.20% | 14.27% | 14.38% | 14.87% | +84 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 97.05% | 96.66% | 94.10% | 95.00% | 94.14% | 93.20% | 91.75% | 93.22% | -177 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Kingsport, TN · Charter 68095 · Peer group: credit unions any (n=25)
NCUA · 30 branches
Q2 2026
Return on Assets
1.95%
Rank 3 of 25
Net Interest Margin
3.30%
Rank 11 of 25
Efficiency Ratio
44.20%
Rank 3 of 25
Equity / Assets
14.87%
Rank 3 of 25
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.95% | 0.54% | 0.87% | 1.36% | Beats 88% | 3 / 25 | ||
| Return on Equity | 13.13% | 5.49% | 9.20% | 10.99% | Beats 80% | 5 / 25 | ||
| Net Interest Margin | 3.30% | 2.86% | 3.13% | 3.50% | Beats 56% | 11 / 25 | ||
| Efficiency Ratio | 44.20% | 54.62% | 61.07% | 70.28% | Beats 92% | 3 / 25 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.31% | 0.64% | 0.92% | 1.30% | Beats 92% | 3 / 25 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 14.87% | 9.55% | 10.72% | 11.84% | Beats 88% | 3 / 25 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 14.87% | 9.55% | 10.72% | 11.84% | Beats 88% | 3 / 25 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 93.22% | 81.23% | 88.75% | 93.33% | 68th pctl | 8 / 25 | ||
| Loans / Assets | 78.52% | 68.82% | 78.26% | 79.51% | 52nd pctl | 12 / 25 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||