Greeneville, TN · Charter 68144
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
99
Asset Quality
6
Profitability
24
Liquidity
0
Efficiency
17
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.
Greeneville, TN · Charter 68144
NCUA · 2 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 | -0.68% | 1.77% | -1.19% | -1.13% | -0.93% | 0.13% | -2.23% | -0.78% | +36 bps | |
| Return on Equity | -1.98% | 5.06% | -3.46% | -3.39% | -2.77% | 0.36% | -6.55% | -2.15% | +124 bps | |
| Net Interest Margin | 3.44% | 3.47% | 3.66% | 3.63% | 3.32% | 3.69% | 3.95% | 3.96% | +34 bps | |
| Efficiency Ratio | 75.23% | 74.60% | 79.96% | 83.01% | 91.24% | 85.79% | 89.44% | 90.72% | +771 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.92% | 1.90% | 0.69% | -1.34% | 0.65% | -5.59% | 0.27% | -6.38% | -504 bps | |
| Loan Growth (YoY) | 0.27% | -3.14% | 1.86% | -0.07% | -1.85% | -2.28% | -4.91% | -2.06% | -199 bps | |
| Share Growth (YoY) | 2.64% | 0.43% | 0.31% | -1.84% | 2.27% | -8.65% | 0.67% | -9.91% | -807 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.40% | 1.36% | 0.36% | 2.72% | 2.51% | 0.82% | 4.00% | 3.55% | +83 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 | 1.37% | 2.04% | 2.73% | 3.31% | 3.43% | 2.73% | 3.79% | 3.47% | +16 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 34.53% | 34.97% | 34.34% | 33.43% | 33.46% | 37.17% | 34.11% | 36.06% | +263 bps | |
| Net Worth / Assets | 34.53% | 34.97% | 34.34% | 33.43% | 33.46% | 37.17% | 34.11% | 36.06% | +263 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 104.49% | 103.85% | 103.73% | 101.92% | 100.28% | 111.09% | 97.98% | 110.80% | +888 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Greeneville, TN · Charter 68144 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 2 branches
Q2 2026
Return on Assets
-0.79%
Rank 1,596 of 1,683
Net Interest Margin
3.99%
Rank 681 of 1,683
Efficiency Ratio
90.32%
Rank 1,391 of 1,682
Equity / Assets
36.06%
Rank 24 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -0.79% | 0.35% | 0.74% | 1.18% | Beats 5% | 1,596 / 1,683 | ||
| Return on Equity | -2.19% | 2.67% | 5.89% | 8.74% | Beats 7% | 1,557 / 1,681 | ||
| Net Interest Margin | 3.99% | 3.31% | 3.82% | 4.32% | Beats 60% | 681 / 1,683 | ||
| Efficiency Ratio | 90.32% | 68.91% | 78.20% | 86.93% | Beats 17% | 1,391 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 3.54% | 0.26% | 0.65% | 1.29% | Beats 6% | 1,587 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 36.06% | 10.44% | 12.89% | 16.53% | Beats 99% | 24 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 36.06% | 10.44% | 12.89% | 16.53% | Beats 99% | 24 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 110.81% | 52.61% | 69.38% | 83.50% | 99th pctl | 18 / 1,683 | ||
| Loans / Assets | 70.85% | 44.71% | 59.18% | 70.72% | 75th pctl | 414 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||