Cleveland, TN · Charter 68513
NCUA · 3 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
13
Asset Quality
33
Profitability
31
Liquidity
20
Efficiency
6
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.
Cleveland, TN · Charter 68513
NCUA · 3 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 | 0.53% | 0.17% | -0.14% | 0.15% | 0.00% | -0.30% | -1.61% | -1.69% | -184 bps | |
| Return on Equity | 5.04% | 1.63% | -1.49% | 1.61% | 0.05% | -3.18% | -17.78% | -18.06% | -1,967 bps | |
| Net Interest Margin | 5.35% | 5.39% | 4.46% | 4.44% | 4.55% | 4.60% | 3.96% | 4.77% | +33 bps | |
| Efficiency Ratio | 91.25% | 97.17% | 102.74% | 97.01% | 95.29% | 102.23% | 116.47% | 104.76% | +775 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.32% | -5.92% | 1.98% | 6.82% | 7.24% | 6.62% | 0.23% | -11.31% | -1,814 bps | |
| Loan Growth (YoY) | 15.21% | 9.87% | 9.37% | 3.03% | -2.47% | -1.80% | -1.05% | -6.32% | -935 bps | |
| Share Growth (YoY) | -4.02% | -6.39% | 2.45% | 8.09% | 8.35% | 7.94% | 0.90% | -11.37% | -1,946 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.30% | 1.57% | 0.04% | 0.54% | 0.93% | 3.11% | 1.70% | 1.03% | +48 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 | 1.82% | 0.90% | 0.82% | 0.90% | 1.02% | 1.15% | 1.22% | 2.98% | +208 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.54% | 10.50% | 9.75% | 9.42% | 9.61% | 9.55% | 9.06% | 9.36% | -5 bps | |
| Net Worth / Assets | 10.54% | 10.50% | 9.75% | 9.42% | 9.61% | 9.55% | 9.06% | 9.36% | -5 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 48.99% | 48.85% | 45.15% | 42.39% | 44.09% | 44.44% | 44.28% | 44.81% | +242 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Cleveland, TN · Charter 68513 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 3 branches
Q2 2026
Return on Assets
-1.69%
Rank 1,637 of 1,683
Net Interest Margin
4.76%
Rank 223 of 1,683
Efficiency Ratio
105.32%
Rank 1,589 of 1,682
Equity / Assets
9.36%
Rank 1,460 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -1.69% | 0.35% | 0.74% | 1.18% | Beats 3% | 1,637 / 1,683 | ||
| Return on Equity | -18.01% | 2.67% | 5.89% | 8.74% | Beats 2% | 1,650 / 1,681 | ||
| Net Interest Margin | 4.76% | 3.31% | 3.82% | 4.32% | Beats 87% | 223 / 1,683 | ||
| Efficiency Ratio | 105.32% | 68.91% | 78.20% | 86.93% | Beats 6% | 1,589 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.00% | 0.26% | 0.65% | 1.29% | Beats 33% | 1,130 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 9.36% | 10.44% | 12.89% | 16.53% | Beats 13% | 1,460 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 9.36% | 10.44% | 12.89% | 16.53% | Beats 13% | 1,460 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 44.80% | 52.61% | 69.38% | 83.50% | 16th pctl | 1,409 / 1,683 | ||
| Loans / Assets | 40.53% | 44.71% | 59.18% | 70.72% | 20th pctl | 1,349 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||