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Letter portraitLegal landscapeQuarterYTD

Knox County Teachers

Knoxville, TN · Charter 10676

NCUA · 2 branches

Q2 2026

$34.4MAssets
$20.4MLoans
$28.9MShares
$5.3MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 1.34%, down 21 bps year over year; NIM at 3.84%.
  • Asset quality: problem loans at 0.01% of loans (-119 bps YoY).
  • Capital: net worth / assets of 15.47%, up 86 bps from a year ago.
  • Funding: loans stand at 70.78% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.34%-21 bps YoY

Net Interest Margin (YTD, annualized)

3.84%-33 bps YoY

Efficiency Ratio (YTD, annualized)

66.69%+607 bps YoY

Net Worth / Assets

15.47%+86 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.55%1.43%1.45%1.35%1.34%-21 bps
Return on Equity10.64%9.64%9.62%8.91%8.67%-197 bps
Net Interest Margin4.17%4.10%4.06%3.93%3.84%-33 bps
Efficiency Ratio60.62%63.13%63.24%67.06%66.69%+607 bps
Growth
Asset Growth (YoY)-5.50%-1.82%1.17%2.00%3.43%+893 bps
Loan Growth (YoY)5.22%2.30%0.75%-0.73%-2.23%-745 bps
Share Growth (YoY)-7.32%-3.95%-0.58%-0.58%1.86%+917 bps
Asset Quality
Delinquent Loans / Loans1.21%0.05%0.49%0.21%0.01%-119 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital14.61%14.79%15.04%15.16%15.47%+86 bps
Net Worth / Assets14.61%14.79%15.04%15.16%15.47%+86 bps
Liquidity & Funding
Loans / Shares73.74%74.31%72.30%71.34%70.78%-296 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps