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Cleveland-Bradley Cty Teacher

Cleveland, TN · Charter 14677

NCUA · 2 branches

Q2 2026

$74.1MAssets
$24.0MLoans
$63.9MShares
$9.5MNet 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 1.05%, down 5 bps year over year; NIM at 2.67%.
  • Asset quality: problem loans at 0.51% of loans (-28 bps YoY).
  • Capital: net worth / assets of 12.88%, up 38 bps from a year ago.
  • Funding: loans stand at 37.49% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

1.05%-5 bps YoY

Net Interest Margin (quarter, annualized)

2.67%+15 bps YoY

Efficiency Ratio (quarter, annualized)

63.42%+60 bps YoY

Net Worth / Assets

12.88%+38 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.10%1.08%0.74%0.88%1.05%-5 bps
Return on Equity8.78%8.61%5.94%6.97%8.16%-63 bps
Net Interest Margin2.52%2.50%2.19%2.62%2.67%+15 bps
Efficiency Ratio62.82%63.41%71.64%64.80%63.42%+60 bps
Growth
Asset Growth (YoY)9.77%13.04%10.26%5.69%2.83%-694 bps
Loan Growth (YoY)-7.57%-6.14%-6.31%-8.36%-5.65%+191 bps
Share Growth (YoY)11.30%14.60%11.13%5.77%1.88%-942 bps
Asset Quality
Delinquent Loans / Loans0.80%0.45%0.74%0.65%0.51%-28 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 Capital12.50%12.53%12.39%12.68%12.88%+38 bps
Net Worth / Assets12.50%12.53%12.39%12.68%12.88%+38 bps
Liquidity & Funding
Loans / Shares40.48%39.62%38.55%37.04%37.49%-300 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps