PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

I B E W 175

Chattanooga, TN · Charter 14634

NCUA · 1 branch

Q2 2026

$13.8MAssets
$9.1MLoans
$11.2MShares
$2.5MNet Worth

Executive Summary

  • Earnings: ROA of 3.21%, up 9 bps year over year; NIM at 6.08%.
  • Asset quality: problem loans at 4.05% of loans (+16 bps YoY).
  • Capital: net worth / assets of 17.82%, up 11 bps from a year ago.
  • Funding: loans stand at 81.22% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

3.21%+9 bps YoY

Net Interest Margin (YTD, annualized)

6.08%-75 bps YoY

Efficiency Ratio (YTD, annualized)

45.74%-1,060 bps YoY

Net Worth / Assets

17.82%+11 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets3.14%3.36%3.36%3.12%3.15%2.00%3.47%3.21%+9 bps
Return on Equity19.66%19.62%19.21%17.60%16.90%11.74%19.88%18.01%+42 bps
Net Interest Margin6.40%6.44%7.01%6.84%6.76%6.33%6.40%6.08%-75 bps
Efficiency Ratio52.54%49.66%53.74%56.34%54.06%62.76%44.32%45.74%-1,060 bps
Growth
Asset Growth (YoY)9.32%4.47%4.40%7.19%3.93%7.63%8.69%7.84%+65 bps
Loan Growth (YoY)-1.29%-1.54%0.37%-2.16%-1.14%-2.61%-3.40%-5.49%-333 bps
Share Growth (YoY)6.72%0.94%1.05%4.35%1.15%7.17%8.53%7.75%+340 bps
Asset Quality
Delinquent Loans / Loans5.09%6.57%6.45%3.89%4.98%5.24%4.12%4.05%+16 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 Capital15.96%17.13%17.47%17.70%18.65%17.02%17.44%17.82%+11 bps
Net Worth / Assets15.96%17.13%17.47%17.70%18.65%17.02%17.44%17.82%+11 bps
Liquidity & Funding
Loans / Shares96.95%97.87%95.88%92.60%94.76%88.93%85.35%81.22%-1,138 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps