Clarksville, TN · Charter 68171
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
6
Asset Quality
48
Profitability
56
Liquidity
95
Efficiency
23
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.
Clarksville, TN · Charter 68171
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 | 0.57% | 0.69% | 0.62% | 0.72% | -1.02% | -1.23% | 0.50% | 0.51% | -21 bps | |
| Return on Equity | 5.76% | 6.56% | 6.30% | 6.98% | -11.28% | -14.53% | 5.87% | 6.05% | -93 bps | |
| Net Interest Margin | 4.33% | 4.62% | 4.44% | 4.55% | 4.58% | 4.62% | 4.54% | 4.51% | -4 bps | |
| Efficiency Ratio | 85.09% | 83.77% | 85.44% | 84.94% | 85.58% | 85.95% | 88.44% | 88.02% | +308 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 12.25% | 6.88% | 9.86% | 13.39% | 3.08% | 7.73% | 1.47% | 5.30% | -809 bps | |
| Loan Growth (YoY) | 11.88% | 13.34% | 10.67% | 13.68% | 3.95% | 2.54% | 6.13% | -2.70% | -1,637 bps | |
| Share Growth (YoY) | 10.71% | 3.79% | 6.78% | 10.67% | 3.72% | 10.02% | 3.56% | 7.80% | -287 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.11% | 2.99% | 3.31% | 2.39% | 2.92% | 0.78% | 1.09% | 0.70% | -169 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 | 9.90% | 10.53% | 9.92% | 10.25% | 9.01% | 8.49% | 8.48% | 8.41% | -184 bps | |
| Net Worth / Assets | 9.90% | 10.53% | 9.92% | 10.25% | 9.01% | 8.49% | 8.48% | 8.41% | -184 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 78.33% | 81.44% | 71.70% | 75.02% | 78.49% | 75.91% | 73.48% | 67.71% | -731 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Clarksville, TN · Charter 68171 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
0.51%
Rank 1,117 of 1,683
Net Interest Margin
4.51%
Rank 326 of 1,683
Efficiency Ratio
87.85%
Rank 1,302 of 1,682
Equity / Assets
8.41%
Rank 1,585 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.51% | 0.35% | 0.74% | 1.18% | Beats 34% | 1,117 / 1,683 | ||
| Return on Equity | 6.12% | 2.67% | 5.89% | 8.74% | Beats 53% | 797 / 1,681 | ||
| Net Interest Margin | 4.51% | 3.31% | 3.82% | 4.32% | Beats 81% | 326 / 1,683 | ||
| Efficiency Ratio | 87.85% | 68.91% | 78.20% | 86.93% | Beats 23% | 1,302 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.70% | 0.26% | 0.65% | 1.29% | Beats 48% | 877 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 8.41% | 10.44% | 12.89% | 16.53% | Beats 6% | 1,585 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 8.41% | 10.44% | 12.89% | 16.53% | Beats 6% | 1,585 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 67.71% | 52.61% | 69.38% | 83.50% | 47th pctl | 896 / 1,683 | ||
| Loans / Assets | 61.43% | 44.71% | 59.18% | 70.72% | 55th pctl | 756 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||