Louisville, TN · Charter 11152
NCUA · 1 branch
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 | 1.79% | 0.92% | 1.59% | 1.67% | 1.92% | 1.19% | 1.74% | 2.07% | +40 bps | |
| Return on Equity | 14.25% | 7.62% | 12.69% | 13.25% | 14.44% | 9.33% | 13.46% | 15.82% | +257 bps | |
| Net Interest Margin | 3.57% | 3.55% | 3.81% | 3.90% | 3.96% | 3.87% | 3.86% | 3.87% | -2 bps | |
| Efficiency Ratio | 58.09% | 78.69% | 64.95% | 63.07% | 59.12% | 73.07% | 60.44% | 56.15% | -692 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.60% | 7.13% | 7.72% | 8.82% | 2.68% | 4.06% | 7.03% | 7.45% | -137 bps | |
| Loan Growth (YoY) | -3.29% | -1.82% | 9.47% | 17.99% | 22.20% | 18.48% | 11.58% | 11.27% | -672 bps | |
| Share Growth (YoY) | 7.11% | 7.50% | 8.29% | 9.54% | 1.86% | 3.23% | 6.66% | 5.95% | -360 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.01% | 0.06% | 0.03% | 0.06% | 1.19% | 1.02% | 0.00% | 0.97% | +90 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 | 12.59% | 12.05% | 12.51% | 12.58% | 13.29% | 12.77% | 12.92% | 13.09% | +51 bps | |
| Net Worth / Assets | 12.59% | 12.05% | 12.51% | 12.58% | 13.29% | 12.77% | 12.92% | 13.09% | +51 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 64.40% | 65.15% | 72.37% | 74.74% | 77.25% | 74.78% | 75.70% | 78.49% | +376 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |