Hermitage, TN · Charter 8922
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 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
35
Asset Quality
85
Profitability
28
Liquidity
10
Efficiency
40
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.
Hermitage, TN · Charter 8922
NCUA · 3 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 | 0.28% | 0.37% | 0.36% | 0.15% | 0.32% | +4 bps | |
| Return on Equity | 2.48% | 3.34% | 3.21% | 1.37% | 2.92% | +44 bps | |
| Net Interest Margin | 3.28% | 3.25% | 3.20% | 2.86% | 3.00% | -28 bps | |
| Efficiency Ratio | 82.16% | 80.37% | 81.47% | 89.67% | 84.94% | +277 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 13.09% | 14.84% | 4.31% | 4.61% | 7.90% | -519 bps | |
| Loan Growth (YoY) | 5.53% | 2.81% | -6.13% | -6.32% | -4.60% | -1,013 bps | |
| Share Growth (YoY) | 13.01% | 14.69% | 4.75% | 4.60% | 8.26% | -475 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.76% | 0.68% | 0.55% | 0.08% | 0.50% | -26 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 | 11.43% | 11.18% | 11.10% | 11.06% | 10.96% | -47 bps | |
| Net Worth / Assets | 11.43% | 11.18% | 11.10% | 11.06% | 10.96% | -47 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 61.17% | 58.08% | 55.71% | 55.04% | 53.91% | -727 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Hermitage, TN · Charter 8922 · Peer group: credit unions under $1B in assets in the Nashville-Davidson--Murfreesboro--Franklin, TN area (n=20)
NCUA · 3 branches
Q2 2026
Return on Assets
0.32%
Rank 12 of 20
Net Interest Margin
3.00%
Rank 19 of 20
Efficiency Ratio
84.80%
Rank 13 of 20
Equity / Assets
10.96%
Rank 13 of 20
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.32% | 0.15% | 0.58% | 0.95% | Beats 40% | 12 / 20 | |
| Return on Equity | 2.90% | 1.78% | 3.59% | 7.03% | Beats 40% | 12 / 20 | |
| Net Interest Margin | 3.00% | 3.56% | 3.88% | 4.49% | Beats 5% | 19 / 20 | |
| Efficiency Ratio | 84.80% | 76.26% | 82.81% | 88.44% | Beats 40% | 13 / 20 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.50% | 0.67% | 0.85% | 1.86% | Beats 85% | 4 / 20 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 10.96% | 10.61% | 12.26% | 16.17% | Beats 35% | 13 / 20 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 10.96% | 10.61% | 12.26% | 16.17% | Beats 35% | 13 / 20 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 53.90% | 59.87% | 67.35% | 83.67% | 10th pctl | 18 / 20 | |
| Loans / Assets | 47.66% | 49.71% | 59.07% | 68.75% | 15th pctl | 17 / 20 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||