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Southeast Financial

Franklin, TN · Charter 68599

NCUA · 12 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, credit unions under $1B in assets in the Nashville-Davidson--Murfreesboro--Franklin, TN area3

Basis

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.

Peer group

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.

Peer standing

Capital

0

Q2 2024Q2 2026peer median (50)

Asset Quality

50

Q2 2024Q2 2026peer median (50)

Profitability

53

Q2 2024Q2 2026peer median (50)

Liquidity

9

Q2 2024Q2 2026peer median

Efficiency

25

Q2 2024Q2 2026peer median (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.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Southeast Financial

Franklin, TN · Charter 68599

NCUA · 12 branches

Q2 2026

$466.8MAssets
$372.3MLoans
$429.1MShares
$37.3MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.29%, up 36 bps year over year; NIM at 4.50%.
  • Asset quality: problem loans at 0.85% of loans (+16 bps YoY).
  • Capital: net worth / assets of 7.98%, up 14 bps from a year ago.
  • Funding: loans stand at 86.75% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.29%+36 bps YoY

Net Interest Margin (YTD, annualized)

4.50%+10 bps YoY

Efficiency Ratio (YTD, annualized)

88.43%-411 bps YoY

Net Worth / Assets

7.98%+14 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.07%0.03%0.01%0.07%0.29%+36 bps
Return on Equity-0.89%0.43%0.10%0.92%3.58%+447 bps
Net Interest Margin4.40%4.44%4.54%4.41%4.50%+10 bps
Efficiency Ratio92.54%91.77%91.09%92.40%88.43%-411 bps
Growth
Asset Growth (YoY)-0.41%1.94%1.40%1.84%0.54%+96 bps
Loan Growth (YoY)-0.38%2.15%2.50%2.32%-2.76%-238 bps
Share Growth (YoY)-1.12%1.08%2.54%3.53%2.28%+340 bps
Asset Quality
Delinquent Loans / Loans0.69%0.95%0.65%0.77%0.85%+16 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital7.85%7.84%7.90%7.74%7.98%+14 bps
Net Worth / Assets7.85%7.84%7.90%7.74%7.98%+14 bps
Liquidity & Funding
Loans / Shares91.24%91.59%89.43%86.57%86.75%-449 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Southeast Financial

Franklin, TN · Charter 68599 · Peer group: credit unions under $1B in assets in the Nashville-Davidson--Murfreesboro--Franklin, TN area (n=20)

NCUA · 12 branches

Q2 2026

$466.8MAssets
$372.3MLoans
$429.1MShares
$37.3MNet Worth

Executive Summary

  • Strongest standing: net interest margin outperforms 80% of credit unions under $1B in assets in the Nashville-Davidson--Murfreesboro--Franklin, TN area (rank 4 of 20).
  • Widest gap: equity / assets trails 100% of credit unions under $1B in assets in the Nashville-Davidson--Murfreesboro--Franklin, TN area (rank 20 of 20).
  • Overall: at or above the peer median on 3 of 7 directional measures.

Return on Assets

0.29%

Rank 14 of 20

Net Interest Margin

4.50%

Rank 4 of 20

Efficiency Ratio

88.44%

Rank 16 of 20

Equity / Assets

7.98%

Rank 20 of 20

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.29%0.15%0.58%0.95%Beats 30%14 / 20
Return on Equity3.59%1.78%3.59%7.03%Beats 50%10 / 20
Net Interest Margin4.50%3.56%3.88%4.49%Beats 80%4 / 20
Efficiency Ratio88.44%76.26%82.81%88.44%Beats 25%16 / 20
Asset Quality
Nonperforming Loans / Loans0.85%0.67%0.85%1.86%Beats 50%11 / 20
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio7.98%10.61%12.26%16.17%Beats 0%20 / 20
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets7.98%10.61%12.26%16.17%Beats 0%20 / 20
Liquidity & Funding
Loans / Deposits86.75%59.87%67.35%83.67%80th pctl4 / 20
Loans / Assets79.74%49.71%59.07%68.75%85th pctl3 / 20
Brokered Deposits / Depositsn/aNot reported for this institution