Chattanooga, TN · Charter 690
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
41
Asset Quality
74
Profitability
20
Liquidity
35
Efficiency
60
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 690
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 | 0.37% | 0.37% | 0.31% | 0.35% | 0.41% | +4 bps | |
| Return on Equity | 3.00% | 2.99% | 2.56% | 2.87% | 3.43% | +44 bps | |
| Net Interest Margin | 1.64% | 1.67% | 1.66% | 1.66% | 1.80% | +16 bps | |
| Efficiency Ratio | 77.83% | 78.19% | 78.44% | 78.57% | 75.14% | -269 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.31% | 3.44% | 3.72% | 4.81% | 5.61% | +230 bps | |
| Loan Growth (YoY) | 4.67% | 7.75% | 8.36% | 5.05% | 1.24% | -342 bps | |
| Share Growth (YoY) | 3.61% | 3.61% | 4.19% | 5.41% | 6.26% | +264 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.29% | 0.28% | 0.38% | 0.24% | 0.28% | -1 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 | 12.33% | 12.38% | 12.27% | 12.10% | 12.01% | -32 bps | |
| Net Worth / Assets | 12.33% | 12.38% | 12.27% | 12.10% | 12.01% | -32 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 51.82% | 53.69% | 52.99% | 50.40% | 49.37% | -244 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Chattanooga, TN · Charter 690 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 2 branches
Q2 2026
Return on Assets
0.41%
Rank 1,216 of 1,683
Net Interest Margin
1.80%
Rank 1,666 of 1,683
Efficiency Ratio
75.12%
Rank 681 of 1,682
Equity / Assets
12.01%
Rank 996 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.41% | 0.35% | 0.74% | 1.18% | Beats 28% | 1,216 / 1,683 | |
| Return on Equity | 3.44% | 2.67% | 5.89% | 8.74% | Beats 31% | 1,158 / 1,681 | |
| Net Interest Margin | 1.80% | 3.31% | 3.82% | 4.32% | Beats 1% | 1,666 / 1,683 | |
| Efficiency Ratio | 75.12% | 68.91% | 78.20% | 86.93% | Beats 60% | 681 / 1,682 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.28% | 0.26% | 0.65% | 1.29% | Beats 74% | 440 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 12.01% | 10.44% | 12.89% | 16.53% | Beats 41% | 996 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 12.01% | 10.44% | 12.89% | 16.53% | Beats 41% | 996 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 49.37% | 52.61% | 69.38% | 83.50% | 21st pctl | 1,333 / 1,683 | |
| Loans / Assets | 43.24% | 44.71% | 59.18% | 70.72% | 23rd pctl | 1,288 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||