Nashville, TN · Charter 68135
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 in the Nashville-Davidson--Murfreesboro--Franklin, TN area (n=20). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
60
Asset Quality
5
Profitability
0
Liquidity
0
Efficiency
5
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 68135
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 | -4.41% | -4.35% | -3.43% | -3.87% | -2.79% | 8.19% | -4.35% | -10.18% | -631 bps | |
| Return on Equity | -50.24% | -55.56% | -48.92% | -61.02% | -53.65% | 49.86% | -26.32% | -75.98% | -1,496 bps | |
| Net Interest Margin | 3.72% | 3.58% | 3.30% | 3.35% | 3.37% | 2.76% | 1.21% | 2.46% | -89 bps | |
| Efficiency Ratio | 156.27% | 157.03% | 142.09% | 139.63% | 101.38% | 44.02% | 354% | 431% | +29,124 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -6.08% | -6.05% | -1.60% | -4.45% | -11.26% | 3.40% | 5.17% | 5.44% | +990 bps | |
| Loan Growth (YoY) | 4.77% | -13.61% | -16.38% | -21.03% | -13.43% | -12.01% | -5.27% | -9.46% | +1,157 bps | |
| Share Growth (YoY) | -2.78% | -2.79% | 3.16% | 0.15% | -6.93% | -8.10% | -6.06% | -2.97% | -312 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.50% | 5.23% | 3.91% | 0.21% | 3.04% | 4.52% | 6.37% | 6.02% | +581 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 | 2.47% | 2.67% | 3.53% | 3.05% | 6.56% | 7.11% | 7.06% | 3.83% | +78 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.77% | 7.82% | 7.01% | 6.34% | 5.20% | 16.43% | 16.53% | 13.40% | +706 bps | |
| Net Worth / Assets | 8.77% | 7.82% | 7.01% | 6.34% | 5.20% | 16.43% | 16.53% | 13.40% | +706 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 42.19% | 38.88% | 36.08% | 35.74% | 39.25% | 37.23% | 36.38% | 33.35% | -239 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 68135 · Peer group: credit unions under $1B in assets in the Nashville-Davidson--Murfreesboro--Franklin, TN area (n=20)
NCUA · 1 branch
Q2 2026
Return on Assets
-10.18%
Rank 20 of 20
Net Interest Margin
2.44%
Rank 20 of 20
Efficiency Ratio
435%
Rank 20 of 20
Equity / Assets
13.39%
Rank 8 of 20
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -10.18% | 0.15% | 0.58% | 0.95% | Beats 0% | 20 / 20 | ||
| Return on Equity | -75.99% | 1.78% | 3.59% | 7.03% | Beats 0% | 20 / 20 | ||
| Net Interest Margin | 2.44% | 3.56% | 3.88% | 4.49% | Beats 0% | 20 / 20 | ||
| Efficiency Ratio | 435% | 76.26% | 82.81% | 88.44% | Beats 5% | 20 / 20 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 6.06% | 0.67% | 0.85% | 1.86% | Beats 5% | 20 / 20 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 13.39% | 10.61% | 12.26% | 16.17% | Beats 60% | 8 / 20 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 13.39% | 10.61% | 12.26% | 16.17% | Beats 60% | 8 / 20 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 33.36% | 59.87% | 67.35% | 83.67% | 0th pctl | 20 / 20 | ||
| Loans / Assets | 28.86% | 49.71% | 59.07% | 68.75% | 0th pctl | 20 / 20 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||