Savannah, TN · Charter 68120
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
8
Asset Quality
100
Profitability
24
Liquidity
54
Efficiency
14
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.
Savannah, TN · Charter 68120
NCUA · 1 branch
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 | -0.96% | 0.01% | 0.33% | 0.34% | 0.32% | +127 bps | |
| Return on Equity | -14.42% | 0.08% | 3.61% | 3.97% | 3.66% | +1,808 bps | |
| Net Interest Margin | 1.37% | 2.16% | 2.84% | 2.89% | 2.76% | +139 bps | |
| Efficiency Ratio | 155.00% | 92.37% | 89.00% | 88.54% | 88.88% | -6,612 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 14.74% | 12.83% | -16.17% | -15.74% | -16.18% | -3,092 bps | |
| Loan Growth (YoY) | -11.82% | -5.15% | -0.70% | 5.60% | -11.35% | +48 bps | |
| Share Growth (YoY) | 16.09% | 13.72% | -17.37% | -16.99% | -17.97% | -3,406 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.73% | 2.73% | 2.94% | 3.16% | 3.40% | +67 bps | |
| Capital | |||||||
| Risk-Based Capital | 6.64% | 6.82% | 9.03% | 8.46% | 8.67% | +204 bps | |
| Net Worth / Assets | 6.64% | 6.82% | 9.03% | 8.46% | 8.67% | +204 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 51.01% | 51.05% | 65.59% | 56.94% | 55.13% | +412 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Savannah, TN · Charter 68120 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
0.39%
Rank 1,234 of 1,683
Net Interest Margin
2.71%
Rank 1,572 of 1,683
Efficiency Ratio
92.86%
Rank 1,454 of 1,682
Equity / Assets
8.70%
Rank 1,543 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.39% | 0.35% | 0.74% | 1.18% | Beats 27% | 1,234 / 1,683 | |
| Return on Equity | 4.44% | 2.67% | 5.89% | 8.74% | Beats 39% | 1,027 / 1,681 | |
| Net Interest Margin | 2.71% | 3.31% | 3.82% | 4.32% | Beats 7% | 1,572 / 1,683 | |
| Efficiency Ratio | 92.86% | 68.91% | 78.20% | 86.93% | Beats 14% | 1,454 / 1,682 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.26% | 0.65% | 1.29% | Beats 100% | 132 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 8.70% | 10.44% | 12.89% | 16.53% | Beats 8% | 1,543 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 8.70% | 10.44% | 12.89% | 16.53% | Beats 8% | 1,543 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 55.12% | 52.61% | 69.38% | 83.50% | 28th pctl | 1,208 / 1,683 | |
| Loans / Assets | 49.95% | 44.71% | 59.18% | 70.72% | 33rd pctl | 1,126 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||