Kingsport, TN · Charter 68138
NCUA · 4 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
40
Asset Quality
86
Profitability
54
Liquidity
52
Efficiency
24
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.
Kingsport, TN · Charter 68138
NCUA · 4 branches
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 | 0.29% | 0.32% | 0.48% | 0.54% | 0.60% | 0.61% | 0.74% | 0.69% | +15 bps | |
| Return on Equity | 2.60% | 2.91% | 4.30% | 4.83% | 5.13% | 5.27% | 6.22% | 5.82% | +99 bps | |
| Net Interest Margin | 3.46% | 3.52% | 3.71% | 3.76% | 3.94% | 3.93% | 4.13% | 4.14% | +38 bps | |
| Efficiency Ratio | 93.95% | 93.31% | 90.32% | 89.21% | 88.62% | 88.52% | 86.49% | 87.31% | -190 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.35% | -0.36% | 0.93% | 0.82% | -0.94% | 0.63% | -1.60% | -0.99% | -181 bps | |
| Loan Growth (YoY) | -0.57% | -0.02% | 0.75% | -0.77% | 1.59% | 2.52% | 4.98% | 6.50% | +727 bps | |
| Share Growth (YoY) | 1.11% | 0.01% | 1.43% | 0.75% | -1.54% | 0.92% | -2.40% | -0.89% | -164 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.02% | 0.00% | 0.34% | 0.13% | 0.01% | 0.14% | 0.11% | -23 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 | 11.11% | 11.12% | 11.06% | 11.18% | 11.67% | 11.57% | 11.82% | 11.89% | +70 bps | |
| Net Worth / Assets | 11.11% | 11.12% | 11.06% | 11.18% | 11.67% | 11.57% | 11.82% | 11.89% | +70 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 76.96% | 76.81% | 75.03% | 74.68% | 79.41% | 78.02% | 80.70% | 80.25% | +557 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Kingsport, TN · Charter 68138 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 4 branches
Q2 2026
Return on Assets
0.69%
Rank 894 of 1,683
Net Interest Margin
4.14%
Rank 560 of 1,683
Efficiency Ratio
87.32%
Rank 1,277 of 1,682
Equity / Assets
11.89%
Rank 1,012 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.69% | 0.35% | 0.74% | 1.18% | Beats 47% | 894 / 1,683 | ||
| Return on Equity | 5.81% | 2.67% | 5.89% | 8.74% | Beats 49% | 855 / 1,681 | ||
| Net Interest Margin | 4.14% | 3.31% | 3.82% | 4.32% | Beats 67% | 560 / 1,683 | ||
| Efficiency Ratio | 87.32% | 68.91% | 78.20% | 86.93% | Beats 24% | 1,277 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.11% | 0.26% | 0.65% | 1.29% | Beats 86% | 242 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 11.89% | 10.44% | 12.89% | 16.53% | Beats 40% | 1,012 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 11.89% | 10.44% | 12.89% | 16.53% | Beats 40% | 1,012 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 80.25% | 52.61% | 69.38% | 83.50% | 70th pctl | 508 / 1,683 | ||
| Loans / Assets | 71.73% | 44.71% | 59.18% | 70.72% | 77th pctl | 388 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||