Copperhill, TN · Charter 16773
NCUA · 2 branches
Q2 2026
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.05% | 1.86% | 2.70% | 2.07% | 1.78% | 1.79% | 2.48% | 2.37% | +30 bps | |
| Return on Equity | 19.44% | 17.47% | 24.84% | 15.57% | 16.42% | 16.35% | 21.46% | 19.39% | +381 bps | |
| Net Interest Margin | 5.17% | 5.15% | 5.38% | 5.33% | 5.25% | 5.13% | 5.24% | 5.43% | +10 bps | |
| Efficiency Ratio | 71.43% | 72.48% | 70.91% | 73.67% | 72.64% | 71.94% | 67.82% | 68.99% | -468 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.54% | 5.82% | 8.59% | 10.91% | 14.91% | 16.10% | 11.27% | 6.79% | -412 bps | |
| Loan Growth (YoY) | 11.15% | 12.60% | 15.33% | 15.68% | 13.30% | 10.24% | 6.32% | 9.15% | -653 bps | |
| Share Growth (YoY) | 4.72% | 5.48% | 8.58% | 11.80% | 16.27% | 17.16% | 11.71% | 5.82% | -598 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.93% | 1.06% | 0.15% | 0.99% | 0.90% | 0.96% | 0.13% | 1.65% | +66 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 | 10.53% | 10.62% | 10.86% | 13.32% | 10.82% | 10.94% | 11.56% | 12.23% | -109 bps | |
| Net Worth / Assets | 10.53% | 10.62% | 10.86% | 13.32% | 10.82% | 10.94% | 11.56% | 12.23% | -109 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 92.92% | 93.55% | 94.53% | 93.85% | 90.55% | 88.02% | 89.97% | 96.81% | +296 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |