Cleveland, TN · Charter 14677
NCUA · 2 branches
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 | 1.27% | 0.80% | 1.18% | 1.10% | 1.08% | 0.74% | 0.88% | 1.05% | -5 bps | |
| Return on Equity | 9.53% | 6.26% | 9.30% | 8.78% | 8.61% | 5.94% | 6.97% | 8.16% | -63 bps | |
| Net Interest Margin | 2.72% | 2.18% | 2.65% | 2.52% | 2.50% | 2.19% | 2.62% | 2.67% | +15 bps | |
| Efficiency Ratio | 62.32% | 71.55% | 62.21% | 62.82% | 63.41% | 71.64% | 64.80% | 63.42% | +60 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.99% | 4.93% | 8.82% | 9.77% | 13.04% | 10.26% | 5.69% | 2.83% | -694 bps | |
| Loan Growth (YoY) | 0.56% | -4.57% | -5.55% | -7.57% | -6.14% | -6.31% | -8.36% | -5.65% | +191 bps | |
| Share Growth (YoY) | 1.55% | 5.10% | 8.96% | 11.30% | 14.60% | 11.13% | 5.77% | 1.88% | -942 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.31% | 0.44% | 0.50% | 0.80% | 0.45% | 0.74% | 0.65% | 0.51% | -28 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 | 13.37% | 12.85% | 12.68% | 12.50% | 12.53% | 12.39% | 12.68% | 12.88% | +38 bps | |
| Net Worth / Assets | 13.37% | 12.85% | 12.68% | 12.50% | 12.53% | 12.39% | 12.68% | 12.88% | +38 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 48.38% | 45.73% | 42.75% | 40.48% | 39.62% | 38.55% | 37.04% | 37.49% | -300 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |