Cleveland, TN · Charter 23630
NCUA · 3 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 | 3.07% | 1.64% | -0.18% | 0.21% | 0.21% | -0.17% | 1.18% | 0.38% | +17 bps | |
| Return on Equity | 15.29% | 7.84% | -0.87% | 1.01% | 1.02% | -0.85% | 5.58% | 1.79% | +78 bps | |
| Net Interest Margin | 6.85% | 5.25% | 4.70% | 4.83% | 4.82% | 4.81% | 5.20% | 4.95% | +12 bps | |
| Efficiency Ratio | 52.73% | 73.04% | 68.56% | 73.24% | 83.79% | 95.20% | 96.68% | 98.06% | +2,482 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.05% | -1.79% | -2.48% | 1.46% | 0.99% | 1.66% | -1.37% | -3.02% | -448 bps | |
| Loan Growth (YoY) | -6.04% | -2.00% | 3.01% | 10.04% | 24.71% | 30.85% | 20.17% | 13.83% | +379 bps | |
| Share Growth (YoY) | -3.43% | -4.35% | -3.89% | 1.41% | 1.10% | 2.66% | -1.99% | -3.92% | -534 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 3.18% | 6.17% | 5.80% | 1.28% | 0.92% | 0.99% | 0.94% | -486 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 | 0.79% | 0.78% | 1.60% | 1.94% | 1.36% | 1.08% | 0.52% | 0.65% | -129 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 20.10% | 20.94% | 20.65% | 20.65% | 20.28% | 20.43% | 21.10% | 21.19% | +55 bps | |
| Net Worth / Assets | 20.10% | 20.94% | 20.65% | 20.65% | 20.28% | 20.43% | 21.10% | 21.19% | +55 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 36.12% | 40.32% | 40.37% | 42.14% | 44.56% | 51.39% | 49.50% | 49.92% | +779 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |