PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Tayco Employees

South Shore, KY · Charter 10177

NCUA · 1 branch

Q2 2026

$1.9MAssets
$477KLoans
$830KShares
$1.1MNet Worth

Executive Summary

  • Earnings: ROA of -1.04%, down 39 bps year over year; NIM at 3.56%.
  • Asset quality: problem loans at 13.33% of loans (+1,280 bps YoY).
  • Capital: net worth / assets of 55.81%, up 620 bps from a year ago.
  • Funding: loans stand at 57.47% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

-1.04%-39 bps YoY

Net Interest Margin (YTD, annualized)

3.56%-19 bps YoY

Efficiency Ratio (YTD, annualized)

79.03%+489 bps YoY

Net Worth / Assets

55.81%+620 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.77%1.14%4.08%-0.65%0.07%0.37%0.78%-1.04%-39 bps
Return on Equity1.58%2.27%8.32%-1.31%0.13%0.71%1.50%-1.87%-55 bps
Net Interest Margin4.14%4.20%3.03%3.75%3.48%3.60%3.29%3.56%-19 bps
Efficiency Ratio53.40%50.26%94.75%74.14%67.26%67.21%77.31%79.03%+489 bps
Growth
Asset Growth (YoY)-11.51%-11.42%-6.63%-5.83%-0.45%-0.70%-2.89%-9.26%-342 bps
Loan Growth (YoY)-3.28%-2.66%-6.03%-18.16%-14.76%-12.83%-18.95%-12.92%+523 bps
Share Growth (YoY)-21.19%-22.65%-13.92%-13.13%-3.73%-3.87%-8.34%-20.44%-731 bps
Asset Quality
Delinquent Loans / Loans2.13%1.16%5.16%0.53%0.39%11.18%5.47%13.33%+1,280 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital48.75%50.33%49.06%49.61%50.44%51.91%51.89%55.81%+620 bps
Net Worth / Assets48.75%50.33%49.06%49.61%50.44%51.91%51.89%55.81%+620 bps
Liquidity & Funding
Loans / Shares63.29%62.45%57.72%52.51%56.03%56.63%51.04%57.47%+496 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps