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Letter portraitLegal landscapeQuarterYTD

Knoxville Law Enforcement

Knoxville, TN · Charter 11533

NCUA · 1 branch

Q2 2026

$39.1MAssets
$20.1MLoans
$33.3MShares
$5.4MNet Worth

Executive Summary

  • Earnings: ROA of 1.06%, up 7 bps year over year; NIM at 3.59%.
  • Asset quality: problem loans at 0.50% of loans (-4 bps YoY).
  • Capital: net worth / assets of 13.76%, up 195 bps from a year ago.
  • Funding: loans stand at 60.47% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

1.06%+7 bps YoY

Net Interest Margin (YTD, annualized)

3.59%+40 bps YoY

Efficiency Ratio (YTD, annualized)

64.76%+177 bps YoY

Net Worth / Assets

13.76%+195 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.43%0.27%1.11%1.00%1.08%1.09%1.00%1.06%+7 bps
Return on Equity3.83%2.46%9.53%8.44%8.79%8.76%7.69%7.74%-71 bps
Net Interest Margin2.58%2.63%3.11%3.18%3.29%3.24%3.37%3.59%+40 bps
Efficiency Ratio79.60%76.33%63.82%62.99%64.43%66.01%62.92%64.76%+177 bps
Growth
Asset Growth (YoY)13.93%12.14%-2.81%-0.89%-3.22%-2.51%-2.22%-6.26%-537 bps
Loan Growth (YoY)-13.22%-14.37%-14.36%-8.96%-4.11%-1.06%-1.32%-0.62%+833 bps
Share Growth (YoY)18.00%12.72%-3.42%-1.61%-4.79%-3.60%-4.00%-8.68%-706 bps
Asset Quality
Delinquent Loans / Loans1.09%0.85%0.72%0.54%0.20%0.28%0.17%0.50%-4 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 Capital11.20%11.03%11.61%11.81%12.34%12.40%12.95%13.76%+195 bps
Net Worth / Assets11.20%11.03%11.61%11.81%12.34%12.40%12.95%13.76%+195 bps
Liquidity & Funding
Loans / Shares57.06%54.82%55.33%55.57%57.47%56.26%56.87%60.47%+490 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps