Nashville, TN · Charter 68101
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
87
Asset Quality
37
Profitability
53
Liquidity
59
Efficiency
58
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 68101
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 | 0.31% | 0.35% | 1.19% | 0.44% | 0.50% | 0.55% | 1.01% | 0.66% | +22 bps | |
| Return on Equity | 1.64% | 1.80% | 6.11% | 2.22% | 2.52% | 2.69% | 5.00% | 3.30% | +107 bps | |
| Net Interest Margin | 3.97% | 4.12% | 4.16% | 4.39% | 4.53% | 4.64% | 4.68% | 4.66% | +28 bps | |
| Efficiency Ratio | 80.64% | 82.30% | 79.11% | 79.12% | 80.01% | 79.58% | 76.69% | 75.70% | -342 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.34% | -0.85% | -1.85% | -1.38% | -3.04% | -1.86% | -1.58% | 1.57% | +296 bps | |
| Loan Growth (YoY) | -4.24% | -5.15% | 1.31% | 0.23% | 2.70% | 2.41% | -4.35% | -2.25% | -248 bps | |
| Share Growth (YoY) | -0.76% | -0.72% | -2.27% | -1.98% | -3.94% | -2.12% | -2.25% | 1.90% | +387 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.73% | 1.91% | 1.05% | 0.82% | 1.10% | 1.08% | 0.61% | 0.92% | +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 | 18.90% | 19.39% | 19.48% | 19.75% | 19.98% | 20.31% | 20.28% | 20.09% | +34 bps | |
| Net Worth / Assets | 18.90% | 19.39% | 19.48% | 19.75% | 19.98% | 20.31% | 20.28% | 20.09% | +34 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 56.46% | 57.04% | 58.35% | 59.29% | 60.36% | 59.68% | 57.10% | 56.88% | -241 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 68101 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
0.66%
Rank 930 of 1,683
Net Interest Margin
4.67%
Rank 260 of 1,683
Efficiency Ratio
75.70%
Rank 704 of 1,682
Equity / Assets
20.09%
Rank 221 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.66% | 0.35% | 0.74% | 1.18% | Beats 45% | 930 / 1,683 | ||
| Return on Equity | 3.31% | 2.67% | 5.89% | 8.74% | Beats 30% | 1,173 / 1,681 | ||
| Net Interest Margin | 4.67% | 3.31% | 3.82% | 4.32% | Beats 85% | 260 / 1,683 | ||
| Efficiency Ratio | 75.70% | 68.91% | 78.20% | 86.93% | Beats 58% | 704 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.92% | 0.26% | 0.65% | 1.29% | Beats 37% | 1,062 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 20.09% | 10.44% | 12.89% | 16.53% | Beats 87% | 221 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 20.09% | 10.44% | 12.89% | 16.53% | Beats 87% | 221 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 56.88% | 52.61% | 69.38% | 83.50% | 31st pctl | 1,167 / 1,683 | ||
| Loans / Assets | 45.75% | 44.71% | 59.18% | 70.72% | 27th pctl | 1,236 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||