PackageTrendsPeer
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Copper Basin

Copperhill, TN · Charter 16773

NCUA · 2 branches

Q2 2026

$68.8MAssets
$57.0MLoans
$58.9MShares
$8.4MNet 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 2.37%, up 30 bps year over year; NIM at 5.43%.
  • Asset quality: problem loans at 1.65% of loans (+66 bps YoY).
  • Capital: net worth / assets of 12.23%, down 109 bps from a year ago.
  • Funding: loans stand at 96.81% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

2.37%+30 bps YoY

Net Interest Margin (quarter, annualized)

5.43%+10 bps YoY

Efficiency Ratio (quarter, annualized)

68.99%-468 bps YoY

Net Worth / Assets

12.23%-109 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets2.07%1.78%1.79%2.48%2.37%+30 bps
Return on Equity15.57%16.42%16.35%21.46%19.39%+381 bps
Net Interest Margin5.33%5.25%5.13%5.24%5.43%+10 bps
Efficiency Ratio73.67%72.64%71.94%67.82%68.99%-468 bps
Growth
Asset Growth (YoY)10.91%14.91%16.10%11.27%6.79%-412 bps
Loan Growth (YoY)15.68%13.30%10.24%6.32%9.15%-653 bps
Share Growth (YoY)11.80%16.27%17.16%11.71%5.82%-598 bps
Asset Quality
Delinquent Loans / Loans0.99%0.90%0.96%0.13%1.65%+66 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 Capital13.32%10.82%10.94%11.56%12.23%-109 bps
Net Worth / Assets13.32%10.82%10.94%11.56%12.23%-109 bps
Liquidity & Funding
Loans / Shares93.85%90.55%88.02%89.97%96.81%+296 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps