PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Securcommunity

Cordova, TN · Charter 14733

NCUA · 3 branches

Q2 2026

$91.6MAssets
$31.9MLoans
$76.0MShares
$12.9MNet 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 0.05%, down 60 bps year over year; NIM at 4.17%.
  • Asset quality: problem loans at 0.66% of loans (+11 bps YoY).
  • Capital: net worth / assets of 14.06%, down 112 bps from a year ago.
  • Funding: loans stand at 41.98% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.05%-60 bps YoY

Net Interest Margin (quarter, annualized)

4.17%-6 bps YoY

Efficiency Ratio (quarter, annualized)

93.18%+1,040 bps YoY

Net Worth / Assets

14.06%-112 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.65%0.33%0.11%0.06%0.05%-60 bps
Return on Equity4.27%2.21%0.74%0.40%0.35%-392 bps
Net Interest Margin4.23%4.26%4.40%4.15%4.17%-6 bps
Efficiency Ratio82.78%84.51%89.14%96.18%93.18%+1,040 bps
Growth
Asset Growth (YoY)1.13%1.54%0.97%0.41%0.98%-15 bps
Loan Growth (YoY)-15.52%-14.03%-10.98%-11.55%-11.95%+356 bps
Share Growth (YoY)1.60%0.54%0.49%-0.23%-0.25%-185 bps
Asset Quality
Delinquent Loans / Loans0.55%0.76%0.53%0.53%0.66%+11 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 Capital15.18%15.09%14.52%13.99%14.06%-112 bps
Net Worth / Assets15.18%15.09%14.52%13.99%14.06%-112 bps
Liquidity & Funding
Loans / Shares47.56%46.96%47.29%43.63%41.98%-558 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps