Smyrna, TN · Charter 21354
NCUA · 2 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.21% | 0.20% | 0.27% | 0.27% | 0.32% | 0.32% | 0.35% | 0.48% | +21 bps | |
| Return on Equity | 2.57% | 2.51% | 3.47% | 3.49% | 4.07% | 4.16% | 4.56% | 5.94% | +245 bps | |
| Net Interest Margin | 5.01% | 5.11% | 5.14% | 5.11% | 5.32% | 5.24% | 5.01% | 5.18% | +8 bps | |
| Efficiency Ratio | 80.53% | 80.46% | 84.44% | 84.45% | 83.60% | 83.33% | 80.01% | 76.76% | -770 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.43% | 0.39% | 2.49% | 6.44% | 6.54% | 8.47% | 6.26% | 0.97% | -547 bps | |
| Loan Growth (YoY) | 8.63% | 7.08% | 4.15% | 3.48% | 3.40% | 1.32% | 3.13% | 3.53% | +5 bps | |
| Share Growth (YoY) | 2.57% | 0.60% | 2.67% | 7.71% | 7.32% | 8.76% | 7.28% | 0.57% | -714 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.99% | 0.68% | 0.55% | 0.61% | 1.01% | 0.61% | 0.62% | 0.60% | -1 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 | 8.07% | 8.10% | 7.76% | 7.64% | 7.86% | 7.80% | 7.64% | 7.99% | +35 bps | |
| Net Worth / Assets | 8.07% | 8.10% | 7.76% | 7.64% | 7.86% | 7.80% | 7.64% | 7.99% | +35 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 87.67% | 89.14% | 84.64% | 81.61% | 84.47% | 83.05% | 81.37% | 84.02% | +240 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |