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Knoxville Teachers

Knoxville, TN · Charter 24464

NCUA · 9 branches

Q2 2026

$259.3MAssets
$202.0MLoans
$230.6MShares
$27.5MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.60%, up 21 bps year over year; NIM at 2.48%.
  • Asset quality: problem loans at 0.56% of loans (-74 bps YoY).
  • Capital: net worth / assets of 10.61%, down 2 bps from a year ago.
  • Funding: loans stand at 87.60% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.60%+21 bps YoY

Net Interest Margin (YTD, annualized)

2.48%+32 bps YoY

Efficiency Ratio (YTD, annualized)

73.33%-885 bps YoY

Net Worth / Assets

10.61%-2 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.38%0.45%0.48%0.56%0.60%+21 bps
Return on Equity3.59%4.17%4.50%5.19%5.62%+203 bps
Net Interest Margin2.16%2.25%2.30%2.50%2.48%+32 bps
Efficiency Ratio82.18%79.22%77.08%73.92%73.33%-885 bps
Growth
Asset Growth (YoY)2.31%0.64%2.86%3.20%4.42%+210 bps
Loan Growth (YoY)2.49%5.10%8.37%11.14%11.52%+903 bps
Share Growth (YoY)1.72%0.13%1.04%2.33%3.39%+167 bps
Asset Quality
Delinquent Loans / Loans1.30%0.80%0.73%0.99%0.56%-74 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital10.63%10.76%10.74%10.74%10.61%-2 bps
Net Worth / Assets10.63%10.76%10.74%10.74%10.61%-2 bps
Liquidity & Funding
Loans / Shares81.21%84.49%87.79%86.93%87.60%+639 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps