Cordova, TN · Charter 9639
NCUA · 7 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 Memphis, TN-MS-AR 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
65
Asset Quality
30
Profitability
78
Liquidity
60
Efficiency
75
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.
Cordova, TN · Charter 9639
NCUA · 7 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 | 2.50% | 1.88% | 1.81% | 1.88% | 1.77% | -73 bps | |
| Return on Equity | 14.28% | 10.50% | 9.86% | 10.24% | 9.49% | -479 bps | |
| Net Interest Margin | 4.09% | 4.13% | 4.14% | 4.39% | 4.24% | +15 bps | |
| Efficiency Ratio | 59.26% | 66.04% | 67.20% | 64.65% | 66.58% | +732 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 1.92% | 1.06% | 3.31% | 4.37% | 3.18% | +125 bps | |
| Loan Growth (YoY) | -7.98% | -7.24% | -5.64% | -3.37% | -4.33% | +365 bps | |
| Share Growth (YoY) | -0.18% | -1.24% | 0.16% | 2.34% | 1.56% | +174 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.22% | 0.92% | 1.06% | 0.91% | 0.87% | +65 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 | 17.49% | 17.90% | 18.35% | 18.34% | 18.64% | +115 bps | |
| Net Worth / Assets | 17.49% | 17.90% | 18.35% | 18.34% | 18.64% | +115 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 43.67% | 44.05% | 44.24% | 42.24% | 41.13% | -253 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Cordova, TN · Charter 9639 · Peer group: credit unions under $1B in assets in the Memphis, TN-MS-AR area (n=20)
NCUA · 7 branches
Q2 2026
Return on Assets
1.77%
Rank 4 of 20
Net Interest Margin
4.24%
Rank 5 of 20
Efficiency Ratio
66.59%
Rank 6 of 20
Equity / Assets
18.64%
Rank 7 of 20
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.77% | 0.17% | 0.80% | 1.30% | Beats 80% | 4 / 20 | |
| Return on Equity | 9.49% | 1.70% | 5.99% | 7.93% | Beats 80% | 4 / 20 | |
| Net Interest Margin | 4.24% | 3.56% | 3.85% | 4.24% | Beats 75% | 5 / 20 | |
| Efficiency Ratio | 66.59% | 66.59% | 84.75% | 93.62% | Beats 75% | 6 / 20 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.88% | 0.32% | 0.63% | 1.03% | Beats 30% | 15 / 20 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 18.64% | 13.24% | 17.38% | 21.71% | Beats 65% | 7 / 20 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 18.64% | 13.24% | 17.38% | 21.71% | Beats 65% | 7 / 20 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 41.13% | 36.24% | 50.72% | 82.35% | 35th pctl | 13 / 20 | |
| Loans / Assets | 33.64% | 30.61% | 46.06% | 66.54% | 40th pctl | 12 / 20 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||