Bartlett, TN · Charter 24220
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 | 2.06% | 2.02% | 2.10% | 1.64% | 1.87% | -20 bps | |
| Return on Equity | 7.28% | 7.05% | 7.30% | 5.76% | 6.33% | -95 bps | |
| Net Interest Margin | 5.16% | 5.08% | 5.06% | 5.13% | 5.12% | -4 bps | |
| Efficiency Ratio | 66.24% | 66.59% | 65.68% | 61.24% | 63.25% | -299 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.57% | 5.17% | 6.60% | 6.39% | 3.22% | -35 bps | |
| Loan Growth (YoY) | -15.27% | -16.14% | -16.85% | -12.93% | -7.94% | +733 bps | |
| Share Growth (YoY) | 2.03% | 3.38% | 5.32% | 5.34% | 1.65% | -38 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.34% | 2.30% | 2.85% | 2.35% | 3.17% | +183 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 | 28.31% | 28.60% | 28.70% | 28.49% | 29.45% | +113 bps | |
| Net Worth / Assets | 28.31% | 28.60% | 28.70% | 28.49% | 29.45% | +113 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 50.97% | 45.34% | 47.99% | 46.43% | 46.16% | -481 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |