Loudon, TN · Charter 15015
NCUA · 3 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.73% | 0.81% | 0.84% | 0.89% | 0.90% | +17 bps | |
| Return on Equity | 7.13% | 7.74% | 8.13% | 9.00% | 8.98% | +185 bps | |
| Net Interest Margin | 3.07% | 3.11% | 3.11% | 2.98% | 3.08% | +1 bps | |
| Efficiency Ratio | 81.87% | 80.45% | 79.76% | 75.33% | 77.05% | -482 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.55% | -2.43% | -0.11% | 5.38% | 12.31% | +976 bps | |
| Loan Growth (YoY) | 6.75% | 4.00% | 6.16% | 5.41% | 3.12% | -363 bps | |
| Share Growth (YoY) | 2.09% | -3.48% | -1.14% | 4.99% | 12.61% | +1,052 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.26% | 0.35% | 0.28% | 0.07% | 1.20% | +94 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.21% | 10.42% | 10.31% | 9.94% | 9.99% | -22 bps | |
| Net Worth / Assets | 10.21% | 10.42% | 10.31% | 9.94% | 9.99% | -22 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 55.22% | 55.57% | 55.03% | 50.98% | 50.57% | -465 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |