Cordova, TN · Charter 14733
NCUA · 3 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.70% | 1.31% | 0.67% | 0.65% | 0.33% | 0.11% | 0.06% | 0.05% | -60 bps | |
| Return on Equity | 11.25% | 8.51% | 4.51% | 4.27% | 2.21% | 0.74% | 0.40% | 0.35% | -392 bps | |
| Net Interest Margin | 4.29% | 4.36% | 3.84% | 4.23% | 4.26% | 4.40% | 4.15% | 4.17% | -6 bps | |
| Efficiency Ratio | 63.04% | 70.29% | 80.16% | 82.78% | 84.51% | 89.14% | 96.18% | 93.18% | +1,040 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.01% | -3.63% | -1.23% | 1.13% | 1.54% | 0.97% | 0.41% | 0.98% | -15 bps | |
| Loan Growth (YoY) | -7.67% | -12.82% | -14.66% | -15.52% | -14.03% | -10.98% | -11.55% | -11.95% | +356 bps | |
| Share Growth (YoY) | -5.31% | -4.59% | -2.95% | 1.60% | 0.54% | 0.49% | -0.23% | -0.25% | -185 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.88% | 1.66% | 0.76% | 0.55% | 0.76% | 0.53% | 0.53% | 0.66% | +11 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 | 15.14% | 15.37% | 14.87% | 15.18% | 15.09% | 14.52% | 13.99% | 14.06% | -112 bps | |
| Net Worth / Assets | 15.14% | 15.37% | 14.87% | 15.18% | 15.09% | 14.52% | 13.99% | 14.06% | -112 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 54.93% | 53.38% | 49.21% | 47.56% | 46.96% | 47.29% | 43.63% | 41.98% | -558 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |