PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Tennessee Military

Louisville, TN · Charter 11152

NCUA · 1 branch

Q2 2026

$31.5MAssets
$21.1MLoans
$26.9MShares
$4.1MNet 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 2.07%, up 40 bps year over year; NIM at 3.87%.
  • Asset quality: problem loans at 0.97% of loans (+90 bps YoY).
  • Capital: net worth / assets of 13.09%, up 51 bps from a year ago.
  • Funding: loans stand at 78.49% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

2.07%+40 bps YoY

Net Interest Margin (quarter, annualized)

3.87%-2 bps YoY

Efficiency Ratio (quarter, annualized)

56.15%-692 bps YoY

Net Worth / Assets

13.09%+51 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.67%1.92%1.19%1.74%2.07%+40 bps
Return on Equity13.25%14.44%9.33%13.46%15.82%+257 bps
Net Interest Margin3.90%3.96%3.87%3.86%3.87%-2 bps
Efficiency Ratio63.07%59.12%73.07%60.44%56.15%-692 bps
Growth
Asset Growth (YoY)8.82%2.68%4.06%7.03%7.45%-137 bps
Loan Growth (YoY)17.99%22.20%18.48%11.58%11.27%-672 bps
Share Growth (YoY)9.54%1.86%3.23%6.66%5.95%-360 bps
Asset Quality
Delinquent Loans / Loans0.06%1.19%1.02%0.00%0.97%+90 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 Capital12.58%13.29%12.77%12.92%13.09%+51 bps
Net Worth / Assets12.58%13.29%12.77%12.92%13.09%+51 bps
Liquidity & Funding
Loans / Shares74.74%77.25%74.78%75.70%78.49%+376 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps