Alcoa, TN · Charter 20513
NCUA · 1 branch
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 | 3.37% | 4.81% | 1.93% | 2.26% | 1.77% | -160 bps | |
| Return on Equity | 20.51% | 28.67% | 10.54% | 11.93% | 9.34% | -1,117 bps | |
| Net Interest Margin | 5.90% | 6.26% | 5.45% | 4.97% | 4.96% | -94 bps | |
| Efficiency Ratio | 28.05% | 14.26% | 56.58% | 54.86% | 48.68% | +2,063 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 4.39% | 10.59% | -5.57% | -5.80% | -5.08% | -947 bps | |
| Loan Growth (YoY) | 15.27% | 21.13% | 16.30% | 14.30% | 5.68% | -959 bps | |
| Share Growth (YoY) | 2.70% | 8.97% | -8.70% | -9.34% | -7.92% | -1,062 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.00% | 0.76% | 0.19% | 1.11% | 0.00% | -100 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.74% | 0.36% | 0.37% | 0.17% | 0.64% | -9 bps | |
| Capital | |||||||
| Risk-Based Capital | 16.42% | 16.76% | 18.29% | 18.92% | 18.91% | +249 bps | |
| Net Worth / Assets | 16.42% | 16.76% | 18.29% | 18.92% | 18.91% | +249 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 75.19% | 73.87% | 81.82% | 88.47% | 86.29% | +1,110 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |