PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Tuskegee

Tuskegee, AL · Charter 2791

NCUA · 1 branch

Q2 2026

$11.3MAssets
$7.7MLoans
$10.7MShares
$476KNet 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 0.02%, down 33 bps year over year; NIM at 4.09%.
  • Asset quality: problem loans at 4.29% of loans (+23 bps YoY).
  • Capital: net worth / assets of 4.23%, down 251 bps from a year ago.
  • Funding: loans stand at 71.45% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.02%-33 bps YoY

Net Interest Margin (YTD, annualized)

4.09%+4 bps YoY

Efficiency Ratio (YTD, annualized)

99.62%+660 bps YoY

Net Worth / Assets

4.23%-251 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.35%-0.87%-0.43%-0.51%0.02%-33 bps
Return on Equity5.16%-21.42%-10.63%-12.93%0.47%-469 bps
Net Interest Margin4.05%3.95%3.96%3.57%4.09%+4 bps
Efficiency Ratio93.02%104.17%97.95%111.06%99.62%+660 bps
Growth
Asset Growth (YoY)-2.69%-4.16%2.78%-2.84%-5.10%-240 bps
Loan Growth (YoY)0.52%-2.04%-0.04%6.83%12.20%+1,168 bps
Share Growth (YoY)-1.84%-0.03%3.54%-2.33%-4.20%-237 bps
Asset Quality
Delinquent Loans / Loans4.06%3.64%2.56%4.50%4.29%+23 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 Capital6.74%4.08%4.03%3.92%4.23%-251 bps
Net Worth / Assets6.74%4.08%4.03%3.92%4.23%-251 bps
Liquidity & Funding
Loans / Shares61.00%60.29%61.23%62.94%71.45%+1,045 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps