Franklin, TN · Charter 68599
NCUA · 12 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
0
Asset Quality
50
Profitability
53
Liquidity
9
Efficiency
25
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.
Franklin, TN · Charter 68599
NCUA · 12 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 | 0.26% | 0.16% | -0.23% | -0.07% | 0.03% | 0.01% | 0.07% | 0.29% | +36 bps | |
| Return on Equity | 3.26% | 1.96% | -2.99% | -0.89% | 0.43% | 0.10% | 0.92% | 3.58% | +447 bps | |
| Net Interest Margin | 4.35% | 4.39% | 4.31% | 4.40% | 4.44% | 4.54% | 4.41% | 4.50% | +10 bps | |
| Efficiency Ratio | 87.57% | 87.34% | 98.21% | 92.54% | 91.77% | 91.09% | 92.40% | 88.43% | -411 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.65% | -3.54% | -1.36% | -0.41% | 1.94% | 1.40% | 1.84% | 0.54% | +96 bps | |
| Loan Growth (YoY) | -5.96% | -5.99% | -4.17% | -0.38% | 2.15% | 2.50% | 2.32% | -2.76% | -238 bps | |
| Share Growth (YoY) | -4.88% | -3.90% | -1.73% | -1.12% | 1.08% | 2.54% | 3.53% | 2.28% | +340 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.48% | 0.56% | 0.46% | 0.69% | 0.95% | 0.65% | 0.77% | 0.85% | +16 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 | 8.02% | 8.01% | 7.81% | 7.85% | 7.84% | 7.90% | 7.74% | 7.98% | +14 bps | |
| Net Worth / Assets | 8.02% | 8.01% | 7.81% | 7.85% | 7.84% | 7.90% | 7.74% | 7.98% | +14 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 90.63% | 89.47% | 87.59% | 91.24% | 91.59% | 89.43% | 86.57% | 86.75% | -449 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
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
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
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.29% | 0.15% | 0.58% | 0.95% | Beats 30% | 14 / 20 | ||
| Return on Equity | 3.59% | 1.78% | 3.59% | 7.03% | Beats 50% | 10 / 20 | ||
| Net Interest Margin | 4.50% | 3.56% | 3.88% | 4.49% | Beats 80% | 4 / 20 | ||
| Efficiency Ratio | 88.44% | 76.26% | 82.81% | 88.44% | Beats 25% | 16 / 20 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.85% | 0.67% | 0.85% | 1.86% | Beats 50% | 11 / 20 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 7.98% | 10.61% | 12.26% | 16.17% | Beats 0% | 20 / 20 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 7.98% | 10.61% | 12.26% | 16.17% | Beats 0% | 20 / 20 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 86.75% | 59.87% | 67.35% | 83.67% | 80th pctl | 4 / 20 | ||
| Loans / Assets | 79.74% | 49.71% | 59.07% | 68.75% | 85th pctl | 3 / 20 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||