Nashville, TN · Charter 68119
NCUA · 2 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 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
18
Asset Quality
25
Profitability
25
Liquidity
95
Efficiency
10
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 68119
NCUA · 2 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.38% | 0.08% | 0.49% | 0.04% | 0.21% | -17 bps | |
| Return on Equity | 3.87% | 0.80% | 4.98% | 0.41% | 2.17% | -170 bps | |
| Net Interest Margin | 3.56% | 3.44% | 3.95% | 3.41% | 3.55% | -1 bps | |
| Efficiency Ratio | 82.79% | 84.64% | 85.25% | 97.61% | 95.13% | +1,234 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 4.56% | 9.05% | 11.44% | 7.79% | 5.78% | +122 bps | |
| Loan Growth (YoY) | -2.82% | -5.89% | -4.30% | -4.21% | -4.17% | -135 bps | |
| Share Growth (YoY) | 2.11% | 5.65% | 7.77% | 8.51% | 6.10% | +399 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.59% | 1.18% | 2.75% | 1.66% | 1.29% | +70 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.92% | 9.56% | 9.83% | 9.67% | 9.79% | -14 bps | |
| Net Worth / Assets | 9.92% | 9.56% | 9.83% | 9.67% | 9.79% | -14 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 74.99% | 69.05% | 68.75% | 65.95% | 67.74% | -726 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Nashville, TN · Charter 68119 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 2 branches
Q2 2026
Return on Assets
0.21%
Rank 1,378 of 1,683
Net Interest Margin
3.55%
Rank 1,084 of 1,683
Efficiency Ratio
95.18%
Rank 1,511 of 1,682
Equity / Assets
9.79%
Rank 1,379 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.21% | 0.35% | 0.74% | 1.18% | Beats 18% | 1,378 / 1,683 | |
| Return on Equity | 2.19% | 2.67% | 5.89% | 8.74% | Beats 21% | 1,324 / 1,681 | |
| Net Interest Margin | 3.55% | 3.31% | 3.82% | 4.32% | Beats 36% | 1,084 / 1,683 | |
| Efficiency Ratio | 95.18% | 68.91% | 78.20% | 86.93% | Beats 10% | 1,511 / 1,682 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 1.29% | 0.26% | 0.65% | 1.29% | Beats 25% | 1,262 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 9.79% | 10.44% | 12.89% | 16.53% | Beats 18% | 1,379 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 9.79% | 10.44% | 12.89% | 16.53% | Beats 18% | 1,379 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 67.74% | 52.61% | 69.38% | 83.50% | 47th pctl | 892 / 1,683 | |
| Loans / Assets | 60.91% | 44.71% | 59.18% | 70.72% | 54th pctl | 774 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||