Nashville, TN · Charter 68148
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 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
30
Asset Quality
90
Profitability
35
Liquidity
83
Efficiency
20
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 68148
NCUA · 4 branches
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 | 0.23% | 0.22% | 0.18% | 0.03% | 0.07% | -16 bps | |
| Return on Equity | 2.01% | 1.90% | 1.61% | 0.28% | 0.68% | -133 bps | |
| Net Interest Margin | 4.49% | 4.58% | 4.50% | 4.23% | 4.23% | -26 bps | |
| Efficiency Ratio | 86.39% | 87.00% | 86.39% | 87.86% | 90.45% | +406 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -4.84% | -4.07% | -1.42% | 1.33% | 2.94% | +778 bps | |
| Loan Growth (YoY) | -13.34% | -10.85% | -9.83% | -13.23% | -14.53% | -119 bps | |
| Share Growth (YoY) | -3.18% | -2.49% | 0.58% | 1.46% | 3.44% | +662 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.34% | 0.64% | 0.75% | 0.58% | 0.44% | +10 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 11.40% | 11.49% | 10.98% | 10.88% | 10.86% | -55 bps | |
| Net Worth / Assets | 11.40% | 11.49% | 10.98% | 10.88% | 10.86% | -55 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 77.34% | 75.95% | 72.50% | 66.68% | 63.90% | -1,344 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Nashville, TN · Charter 68148 · Peer group: credit unions under $1B in assets in the Nashville-Davidson--Murfreesboro--Franklin, TN area (n=20)
NCUA · 4 branches
Q2 2026
Return on Assets
0.07%
Rank 17 of 20
Net Interest Margin
4.23%
Rank 6 of 20
Efficiency Ratio
90.44%
Rank 17 of 20
Equity / Assets
10.86%
Rank 14 of 20
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.07% | 0.15% | 0.58% | 0.95% | Beats 15% | 17 / 20 | |
| Return on Equity | 0.67% | 1.78% | 3.59% | 7.03% | Beats 20% | 16 / 20 | |
| Net Interest Margin | 4.23% | 3.56% | 3.88% | 4.49% | Beats 70% | 6 / 20 | |
| Efficiency Ratio | 90.44% | 76.26% | 82.81% | 88.44% | Beats 20% | 17 / 20 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.44% | 0.67% | 0.85% | 1.86% | Beats 90% | 3 / 20 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 10.86% | 10.61% | 12.26% | 16.17% | Beats 30% | 14 / 20 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 10.86% | 10.61% | 12.26% | 16.17% | Beats 30% | 14 / 20 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 63.90% | 59.87% | 67.35% | 83.67% | 35th pctl | 13 / 20 | |
| Loans / Assets | 56.51% | 49.71% | 59.07% | 68.75% | 40th pctl | 12 / 20 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||