Jackson, TN · Charter 20662
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 | 1.25% | 1.37% | 1.32% | 1.24% | 1.07% | -17 bps | |
| Return on Equity | 9.78% | 10.13% | 9.58% | 9.15% | 7.52% | -226 bps | |
| Net Interest Margin | 3.95% | 4.16% | 4.14% | 3.90% | 4.03% | +8 bps | |
| Efficiency Ratio | 71.07% | 70.92% | 72.28% | 73.79% | 76.72% | +565 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 1.82% | 3.11% | 5.45% | 3.51% | -2.63% | -445 bps | |
| Loan Growth (YoY) | -11.68% | -19.09% | -16.64% | -13.14% | -19.97% | -829 bps | |
| Share Growth (YoY) | 0.58% | 1.95% | 4.61% | 2.41% | -4.43% | -501 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.64% | 0.75% | 0.57% | 0.58% | 0.69% | +5 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 | 12.73% | 13.54% | 13.78% | 13.52% | 14.29% | +156 bps | |
| Net Worth / Assets | 12.73% | 13.54% | 13.78% | 13.52% | 14.29% | +156 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 24.29% | 23.62% | 23.24% | 21.11% | 20.34% | -395 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |