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Greeneville City Employees'

Greeneville, TN · Charter 68127

NCUA · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, credit unions under $1B in assets3

Basis

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.

Peer group

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.

Peer standing

Capital

97

Q2 2024Q2 2026peer median (50)

Asset Quality

71

Q2 2024Q2 2026peer median (50)

Profitability

86

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

99

Q2 2024Q2 2026peer median (50)

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.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Greeneville City Employees'

Greeneville, TN · Charter 68127

NCUA · 1 branch

Q2 2026

$13.9MAssets
$10.1MLoans
$9.7MShares
$4.1MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 2.64%, up 75 bps year over year; NIM at 4.57%.
  • Asset quality: problem loans at 0.32% of loans (-14 bps YoY).
  • Capital: net worth / assets of 29.53%, up 101 bps from a year ago.
  • Funding: loans stand at 104.38% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

2.64%+75 bps YoY

Net Interest Margin (YTD, annualized)

4.57%+65 bps YoY

Efficiency Ratio (YTD, annualized)

42.17%-729 bps YoY

Net Worth / Assets

29.53%+101 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.89%2.03%2.14%2.34%2.64%+75 bps
Return on Equity6.63%7.11%7.35%8.06%8.95%+232 bps
Net Interest Margin3.92%3.98%4.08%4.45%4.57%+65 bps
Efficiency Ratio49.46%47.50%46.77%44.64%42.17%-729 bps
Growth
Asset Growth (YoY)7.79%9.65%6.96%7.13%5.52%-228 bps
Loan Growth (YoY)2.92%9.96%12.56%16.92%12.93%+1,000 bps
Share Growth (YoY)8.02%10.49%6.50%6.49%4.01%-402 bps
Asset Quality
Delinquent Loans / Loans0.46%0.23%0.20%0.20%0.32%-14 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital28.53%28.62%29.08%29.06%29.53%+101 bps
Net Worth / Assets28.53%28.62%29.08%29.06%29.53%+101 bps
Liquidity & Funding
Loans / Shares96.14%100.44%102.94%105.54%104.38%+824 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Greeneville City Employees'

Greeneville, TN · Charter 68127 · Peer group: credit unions under $1B in assets (n=1,681-1,683)

NCUA · 1 branch

Q2 2026

$13.9MAssets
$10.1MLoans
$9.7MShares
$4.1MNet Worth

Executive Summary

  • Strongest standing: return on assets outperforms 99% of credit unions under $1B in assets (rank 20 of 1683).
  • Widest gap: nonperforming loans / loans trails 29% of credit unions under $1B in assets (rank 484 of 1682).
  • Overall: at or above the peer median on 7 of 7 directional measures.

Return on Assets

2.64%

Rank 20 of 1,683

Net Interest Margin

4.57%

Rank 293 of 1,683

Efficiency Ratio

42.15%

Rank 25 of 1,682

Equity / Assets

29.54%

Rank 55 of 1,683

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets2.64%0.35%0.74%1.18%Beats 99%20 / 1,683
Return on Equity8.95%2.67%5.89%8.74%Beats 76%396 / 1,681
Net Interest Margin4.57%3.31%3.82%4.32%Beats 83%293 / 1,683
Efficiency Ratio42.15%68.91%78.20%86.93%Beats 99%25 / 1,682
Asset Quality
Nonperforming Loans / Loans0.32%0.26%0.65%1.29%Beats 71%484 / 1,682
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio29.54%10.44%12.89%16.53%Beats 97%55 / 1,683
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets29.54%10.44%12.89%16.53%Beats 97%55 / 1,683
Liquidity & Funding
Loans / Deposits104.39%52.61%69.38%83.50%98th pctl35 / 1,683
Loans / Assets72.64%44.71%59.18%70.72%79th pctl348 / 1,683
Brokered Deposits / Depositsn/aNot reported for this institution