PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

TVA Mid-South

Memphis, TN · Charter 16520

NCUA · 2 branches

Q2 2026

$3.2MAssets
$808KLoans
$2.7MShares
$562KNet 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 0.09%, down 36 bps year over year; NIM at 2.84%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Capital: net worth / assets of 17.37%, up 132 bps from a year ago.
  • Funding: loans stand at 30.35% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.09%-36 bps YoY

Net Interest Margin (YTD, annualized)

2.84%-21 bps YoY

Efficiency Ratio (YTD, annualized)

98.92%+1,475 bps YoY

Net Worth / Assets

17.37%+132 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.45%0.44%0.07%0.20%0.09%-36 bps
Return on Equity2.80%2.60%0.41%1.16%0.51%-228 bps
Net Interest Margin3.05%3.15%2.81%2.99%2.84%-21 bps
Efficiency Ratio84.17%84.85%96.94%93.53%98.92%+1,475 bps
Growth
Asset Growth (YoY)-1.65%-2.76%-4.99%-7.13%-8.28%-662 bps
Loan Growth (YoY)-4.86%2.26%4.74%-2.99%-11.32%-647 bps
Share Growth (YoY)-1.81%-3.20%-6.19%-8.61%-9.75%-794 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.11%1.13%1.15%1.15%1.13%+1 bps
Capital
Risk-Based Capital16.05%16.85%16.72%17.11%17.37%+132 bps
Net Worth / Assets16.05%16.85%16.72%17.11%17.37%+132 bps
Liquidity & Funding
Loans / Shares30.88%33.83%31.99%32.21%30.35%-54 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps