Elizabethton, TN · Charter 68097
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 (n=1,681 to 1,683). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
81
Asset Quality
42
Profitability
52
Liquidity
0
Efficiency
71
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.
Elizabethton, TN · Charter 68097
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 | 1.34% | 1.06% | 0.05% | 0.36% | 0.17% | 0.42% | 1.02% | 1.09% | +73 bps | |
| Return on Equity | 7.69% | 6.11% | 0.30% | 2.03% | 0.96% | 2.35% | 5.62% | 5.96% | +393 bps | |
| Net Interest Margin | 2.95% | 3.03% | 3.06% | 3.20% | 3.22% | 3.28% | 3.45% | 3.52% | +32 bps | |
| Efficiency Ratio | 53.18% | 67.94% | 98.68% | 89.28% | 93.87% | 88.08% | 73.71% | 70.67% | -1,861 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.04% | -1.09% | -0.34% | -2.83% | -2.53% | -0.79% | -1.02% | 1.64% | +447 bps | |
| Loan Growth (YoY) | -4.00% | -3.76% | -2.23% | -4.47% | 1.36% | 5.60% | 3.18% | 6.37% | +1,084 bps | |
| Share Growth (YoY) | -3.80% | -1.80% | -1.07% | -3.79% | -2.97% | -3.07% | -3.02% | 1.40% | +518 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.50% | 0.15% | 0.36% | 0.10% | 0.32% | 0.31% | 0.61% | 0.82% | +72 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 | 17.43% | 17.31% | 17.36% | 17.75% | 17.90% | 17.87% | 18.21% | 18.25% | +50 bps | |
| Net Worth / Assets | 17.43% | 17.31% | 17.36% | 17.75% | 17.90% | 17.87% | 18.21% | 18.25% | +50 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 30.31% | 29.47% | 29.76% | 29.84% | 31.66% | 32.10% | 31.66% | 31.30% | +146 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Elizabethton, TN · Charter 68097 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
1.09%
Rank 504 of 1,683
Net Interest Margin
3.52%
Rank 1,104 of 1,683
Efficiency Ratio
70.72%
Rank 490 of 1,682
Equity / Assets
18.25%
Rank 318 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.09% | 0.35% | 0.74% | 1.18% | Beats 70% | 504 / 1,683 | ||
| Return on Equity | 5.97% | 2.67% | 5.89% | 8.74% | Beats 51% | 828 / 1,681 | ||
| Net Interest Margin | 3.52% | 3.31% | 3.82% | 4.32% | Beats 34% | 1,104 / 1,683 | ||
| Efficiency Ratio | 70.72% | 68.91% | 78.20% | 86.93% | Beats 71% | 490 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.82% | 0.26% | 0.65% | 1.29% | Beats 42% | 976 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 18.25% | 10.44% | 12.89% | 16.53% | Beats 81% | 318 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 18.25% | 10.44% | 12.89% | 16.53% | Beats 81% | 318 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 31.30% | 52.61% | 69.38% | 83.50% | 6th pctl | 1,590 / 1,683 | ||
| Loans / Assets | 25.81% | 44.71% | 59.18% | 70.72% | 5th pctl | 1,591 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||