Clarksville, TN · Charter 9759
NCUA · 8 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
48
Asset Quality
50
Profitability
81
Liquidity
9
Efficiency
79
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.
Clarksville, TN · Charter 9759
NCUA · 8 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 | 0.68% | 0.69% | 0.56% | 0.77% | 0.81% | 0.82% | 2.10% | 1.47% | +70 bps | |
| Return on Equity | 5.63% | 5.62% | 4.64% | 6.32% | 6.58% | 6.70% | 16.68% | 11.56% | +524 bps | |
| Net Interest Margin | 3.87% | 3.96% | 3.89% | 4.02% | 4.08% | 4.10% | 4.13% | 4.19% | +17 bps | |
| Efficiency Ratio | 77.39% | 77.22% | 80.25% | 77.87% | 76.75% | 75.97% | 61.52% | 66.76% | -1,112 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.27% | -0.33% | -0.25% | 2.24% | 3.37% | 6.32% | 4.87% | 4.77% | +253 bps | |
| Loan Growth (YoY) | 2.30% | 3.01% | 5.34% | 6.64% | 6.42% | 5.46% | 2.89% | 3.02% | -362 bps | |
| Share Growth (YoY) | 3.52% | 7.54% | 8.49% | 8.58% | 5.59% | 6.52% | 4.03% | 4.15% | -443 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.72% | 0.89% | 0.60% | 0.65% | 0.79% | 0.83% | 0.75% | 0.65% | +1 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 | 12.07% | 12.25% | 12.08% | 12.22% | 12.30% | 12.20% | 12.58% | 12.69% | +48 bps | |
| Net Worth / Assets | 12.07% | 12.25% | 12.08% | 12.22% | 12.30% | 12.20% | 12.58% | 12.69% | +48 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 92.66% | 91.65% | 89.40% | 90.94% | 93.39% | 90.74% | 88.42% | 89.95% | -99 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Clarksville, TN · Charter 9759 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 8 branches
Q2 2026
Return on Assets
1.47%
Rank 260 of 1,683
Net Interest Margin
4.19%
Rank 521 of 1,683
Efficiency Ratio
66.76%
Rank 352 of 1,682
Equity / Assets
12.69%
Rank 875 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.47% | 0.35% | 0.74% | 1.18% | Beats 85% | 260 / 1,683 | ||
| Return on Equity | 11.56% | 2.67% | 5.89% | 8.74% | Beats 90% | 163 / 1,681 | ||
| Net Interest Margin | 4.19% | 3.31% | 3.82% | 4.32% | Beats 69% | 521 / 1,683 | ||
| Efficiency Ratio | 66.76% | 68.91% | 78.20% | 86.93% | Beats 79% | 352 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.65% | 0.26% | 0.65% | 1.29% | Beats 50% | 841 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 12.69% | 10.44% | 12.89% | 16.53% | Beats 48% | 875 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 12.69% | 10.44% | 12.89% | 16.53% | Beats 48% | 875 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 89.95% | 52.61% | 69.38% | 83.50% | 86th pctl | 235 / 1,683 | ||
| Loans / Assets | 77.85% | 44.71% | 59.18% | 70.72% | 89th pctl | 193 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||