Chattanooga, TN · Charter 24629
NCUA · 3 branches
Q2 2026
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.53% | 0.49% | 0.27% | 0.32% | 0.49% | 0.46% | 0.39% | 0.36% | +5 bps | |
| Return on Equity | 4.31% | 4.02% | 2.28% | 2.67% | 4.06% | 3.90% | 3.35% | 3.11% | +44 bps | |
| Net Interest Margin | 3.90% | 3.83% | 3.47% | 3.56% | 3.66% | 3.68% | 3.57% | 3.45% | -11 bps | |
| Efficiency Ratio | 76.15% | 78.69% | 84.58% | 81.48% | 73.98% | 76.35% | 87.96% | 88.99% | +751 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.08% | 5.69% | 6.88% | 6.98% | 6.03% | 6.21% | 5.12% | 5.45% | -153 bps | |
| Loan Growth (YoY) | 0.24% | -3.28% | -4.10% | -3.86% | -0.59% | 3.89% | 7.21% | 6.67% | +1,053 bps | |
| Share Growth (YoY) | 5.60% | 6.53% | 6.96% | 7.63% | 6.58% | 7.00% | 6.53% | 6.07% | -156 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.36% | 1.92% | 1.78% | 2.76% | 2.92% | 1.96% | 1.66% | 3.41% | +65 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 | 12.39% | 12.20% | 11.80% | 11.81% | 12.11% | 11.92% | 11.68% | 11.65% | -16 bps | |
| Net Worth / Assets | 12.39% | 12.20% | 11.80% | 11.81% | 12.11% | 11.92% | 11.68% | 11.65% | -16 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 93.37% | 89.61% | 85.52% | 85.35% | 87.09% | 87.01% | 86.06% | 85.84% | +48 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |