Martin, TN · Charter 68153
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 (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
90
Asset Quality
100
Profitability
42
Liquidity
69
Efficiency
71
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.
Martin, TN · Charter 68153
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 | 0.93% | 0.89% | 0.73% | 0.82% | 0.88% | 0.84% | 1.03% | 0.97% | +15 bps | |
| Return on Equity | 4.72% | 4.35% | 3.51% | 3.79% | 4.12% | 3.91% | 4.79% | 4.45% | +66 bps | |
| Net Interest Margin | 2.97% | 2.99% | 3.80% | 3.64% | 3.30% | 3.25% | 3.31% | 3.28% | -36 bps | |
| Efficiency Ratio | 66.80% | 67.91% | 80.01% | 76.38% | 73.34% | 73.67% | 67.47% | 69.13% | -725 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -9.78% | -8.76% | -6.20% | -5.19% | -3.28% | -1.02% | 0.82% | 3.90% | +909 bps | |
| Loan Growth (YoY) | -24.95% | -12.51% | -11.88% | -6.54% | 1.65% | -1.57% | -5.93% | 1.22% | +776 bps | |
| Share Growth (YoY) | -12.86% | -11.88% | -8.34% | -7.36% | -5.20% | -2.24% | -0.69% | 3.61% | +1,097 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 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 | 1.98% | 2.00% | 2.15% | 2.10% | 2.06% | 2.12% | 2.39% | 2.18% | +7 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 19.80% | 20.46% | 20.78% | 21.69% | 21.31% | 21.51% | 21.52% | 21.80% | +11 bps | |
| Net Worth / Assets | 19.80% | 20.46% | 20.78% | 21.69% | 21.31% | 21.51% | 21.52% | 21.80% | +11 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 72.94% | 76.58% | 72.22% | 78.19% | 78.21% | 77.10% | 68.40% | 76.38% | -181 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Martin, TN · Charter 68153 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
0.97%
Rank 618 of 1,683
Net Interest Margin
3.30%
Rank 1,273 of 1,683
Efficiency Ratio
70.59%
Rank 482 of 1,682
Equity / Assets
21.84%
Rank 167 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.97% | 0.35% | 0.74% | 1.18% | Beats 63% | 618 / 1,683 | ||
| Return on Equity | 4.44% | 2.67% | 5.89% | 8.74% | Beats 39% | 1,027 / 1,681 | ||
| Net Interest Margin | 3.30% | 3.31% | 3.82% | 4.32% | Beats 24% | 1,273 / 1,683 | ||
| Efficiency Ratio | 70.59% | 68.91% | 78.20% | 86.93% | Beats 71% | 482 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.00% | 0.26% | 0.65% | 1.29% | Beats 100% | 132 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 21.84% | 10.44% | 12.89% | 16.53% | Beats 90% | 167 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 21.84% | 10.44% | 12.89% | 16.53% | Beats 90% | 167 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 76.41% | 52.61% | 69.38% | 83.50% | 62nd pctl | 633 / 1,683 | ||
| Loans / Assets | 59.13% | 44.71% | 59.18% | 70.72% | 50th pctl | 843 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||