Brentwood, TN · Charter 68172
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 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
10
Asset Quality
75
Profitability
55
Liquidity
92
Efficiency
50
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.
Brentwood, TN · Charter 68172
NCUA · 2 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 | -0.92% | -0.70% | -0.57% | 0.56% | 0.59% | +151 bps | |
| Return on Equity | -10.44% | -8.17% | -6.68% | 6.42% | 6.48% | +1,693 bps | |
| Net Interest Margin | 3.46% | 3.43% | 3.53% | 3.61% | 3.82% | +36 bps | |
| Efficiency Ratio | 116.88% | 111.79% | 108.81% | 79.08% | 82.87% | -3,401 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -8.39% | -4.68% | -4.71% | -4.01% | -3.61% | +478 bps | |
| Loan Growth (YoY) | -6.41% | -6.83% | -9.51% | -9.32% | -9.84% | -343 bps | |
| Share Growth (YoY) | -8.46% | -4.45% | -4.55% | -4.10% | -4.19% | +427 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.21% | 0.47% | 0.44% | 0.33% | 0.66% | -155 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 | 8.77% | 8.53% | 8.55% | 8.73% | 9.17% | +39 bps | |
| Net Worth / Assets | 8.77% | 8.53% | 8.55% | 8.73% | 9.17% | +39 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 69.22% | 66.29% | 65.62% | 65.33% | 65.14% | -408 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Brentwood, TN · Charter 68172 · Peer group: credit unions under $1B in assets in the Nashville-Davidson--Murfreesboro--Franklin, TN area (n=20)
NCUA · 2 branches
Q2 2026
Return on Assets
0.60%
Rank 8 of 20
Net Interest Margin
3.82%
Rank 12 of 20
Efficiency Ratio
82.81%
Rank 11 of 20
Equity / Assets
9.17%
Rank 18 of 20
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.60% | 0.15% | 0.58% | 0.95% | Beats 60% | 8 / 20 | |
| Return on Equity | 6.50% | 1.78% | 3.59% | 7.03% | Beats 65% | 7 / 20 | |
| Net Interest Margin | 3.82% | 3.56% | 3.88% | 4.49% | Beats 40% | 12 / 20 | |
| Efficiency Ratio | 82.81% | 76.26% | 82.81% | 88.44% | Beats 50% | 11 / 20 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.67% | 0.67% | 0.85% | 1.86% | Beats 75% | 6 / 20 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 9.17% | 10.61% | 12.26% | 16.17% | Beats 10% | 18 / 20 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 9.17% | 10.61% | 12.26% | 16.17% | Beats 10% | 18 / 20 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 65.14% | 59.87% | 67.35% | 83.67% | 45th pctl | 11 / 20 | |
| Loans / Assets | 59.07% | 49.71% | 59.07% | 68.75% | 50th pctl | 10 / 20 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||