Chattanooga, TN · Charter 12826
NCUA · 2 branches
Q1 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 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.19% | 1.97% | 1.73% | -1.17% | -0.48% | -0.05% | -0.02% | -0.44% | +73 bps | |
| Return on Equity | 10.23% | 9.17% | 7.98% | -5.97% | -2.42% | -0.25% | -0.12% | -2.31% | +366 bps | |
| Net Interest Margin | 5.61% | 5.51% | 5.02% | 4.69% | 4.63% | 4.36% | 4.16% | 19.59% | +1,490 bps | |
| Efficiency Ratio | 58.42% | 57.09% | 60.00% | 102.27% | 87.24% | 80.55% | 78.84% | 83.53% | -1,874 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.36% | -0.86% | 5.17% | 4.39% | 3.92% | 4.20% | 5.84% | 3.60% | -79 bps | |
| Loan Growth (YoY) | 2.71% | -7.95% | -13.82% | -20.93% | -29.46% | -36.21% | -37.54% | -46.81% | -2,588 bps | |
| Share Growth (YoY) | -3.86% | -3.17% | 3.91% | 5.26% | 5.38% | 6.17% | 9.43% | 5.33% | +7 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 7.47% | 6.95% | 16.26% | 14.35% | 9.66% | 10.37% | 12.75% | 12.77% | -158 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 | 0.54% | 0.49% | 0.22% | 1.22% | 1.69% | 1.61% | 2.04% | -6.29% | -751 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 21.37% | 21.48% | 21.69% | 19.63% | 19.98% | 19.86% | 19.52% | 19.12% | -51 bps | |
| Net Worth / Assets | 21.37% | 21.48% | 21.69% | 19.63% | 19.98% | 19.86% | 19.52% | 19.12% | -51 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 98.48% | 94.85% | 86.30% | 72.96% | 65.93% | 56.99% | 49.25% | 36.85% | -3,611 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |