Chattanooga, TN · Charter 68173
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
67
Asset Quality
91
Profitability
39
Liquidity
85
Efficiency
16
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.
Chattanooga, TN · Charter 68173
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 | 0.72% | 0.75% | 0.42% | 0.50% | 0.60% | 0.58% | 0.58% | 0.47% | -3 bps | |
| Return on Equity | 4.59% | 4.76% | 2.70% | 3.26% | 3.76% | 3.73% | 3.71% | 3.17% | -10 bps | |
| Net Interest Margin | 4.27% | 4.23% | 4.08% | 4.13% | 4.31% | 4.23% | 4.04% | 3.96% | -17 bps | |
| Efficiency Ratio | 86.86% | 86.37% | 91.80% | 90.32% | 89.01% | 88.94% | 89.05% | 90.85% | +53 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.84% | -0.21% | 3.47% | 3.70% | 3.57% | 4.41% | 3.21% | 6.43% | +272 bps | |
| Loan Growth (YoY) | -9.27% | -9.07% | -7.29% | 1.08% | 3.99% | 2.01% | -0.31% | -3.96% | -504 bps | |
| Share Growth (YoY) | -2.96% | -0.99% | 3.59% | 3.91% | 3.61% | 4.51% | 3.23% | 7.20% | +329 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.28% | 0.26% | 0.43% | 0.00% | 0.13% | 0.40% | 0.34% | 0.03% | +2 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 | 15.73% | 15.72% | 15.38% | 15.38% | 15.86% | 15.64% | 15.52% | 15.01% | -38 bps | |
| Net Worth / Assets | 15.73% | 15.72% | 15.38% | 15.38% | 15.86% | 15.64% | 15.52% | 15.01% | -38 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 75.43% | 72.28% | 69.59% | 72.39% | 75.70% | 70.55% | 67.20% | 64.85% | -754 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Chattanooga, TN · Charter 68173 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 2 branches
Q2 2026
Return on Assets
0.47%
Rank 1,163 of 1,683
Net Interest Margin
3.95%
Rank 706 of 1,683
Efficiency Ratio
90.96%
Rank 1,411 of 1,682
Equity / Assets
15.00%
Rank 553 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.47% | 0.35% | 0.74% | 1.18% | Beats 31% | 1,163 / 1,683 | ||
| Return on Equity | 3.17% | 2.67% | 5.89% | 8.74% | Beats 29% | 1,193 / 1,681 | ||
| Net Interest Margin | 3.95% | 3.31% | 3.82% | 4.32% | Beats 58% | 706 / 1,683 | ||
| Efficiency Ratio | 90.96% | 68.91% | 78.20% | 86.93% | Beats 16% | 1,411 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.03% | 0.26% | 0.65% | 1.29% | Beats 91% | 157 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 15.00% | 10.44% | 12.89% | 16.53% | Beats 67% | 553 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 15.00% | 10.44% | 12.89% | 16.53% | Beats 67% | 553 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 64.85% | 52.61% | 69.38% | 83.50% | 42nd pctl | 981 / 1,683 | ||
| Loans / Assets | 54.65% | 44.71% | 59.18% | 70.72% | 42nd pctl | 982 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||