Bristol, TN · Charter 4714
NCUA · 6 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 | 0.60% | 0.67% | 0.53% | 0.82% | 0.78% | 0.88% | 0.63% | 0.55% | -27 bps | |
| Return on Equity | 4.85% | 5.41% | 4.28% | 6.58% | 6.25% | 6.52% | 4.72% | 4.06% | -253 bps | |
| Net Interest Margin | 3.33% | 3.28% | 3.43% | 3.48% | 3.58% | 3.54% | 3.54% | 3.67% | +19 bps | |
| Efficiency Ratio | 71.51% | 71.98% | 79.62% | 70.80% | 69.95% | 69.07% | 77.32% | 73.68% | +288 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 10.21% | 12.56% | 0.88% | 3.46% | 4.31% | 6.56% | 7.17% | 6.17% | +271 bps | |
| Loan Growth (YoY) | 10.66% | 10.48% | 0.48% | 2.63% | 5.48% | 5.10% | 3.06% | 0.76% | -187 bps | |
| Share Growth (YoY) | 9.07% | 11.99% | -0.01% | 2.49% | 3.75% | 4.85% | 5.64% | 4.78% | +229 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.56% | 0.80% | 0.22% | 0.48% | 0.47% | 0.43% | 0.26% | 0.40% | -7 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 | 12.31% | 12.40% | 12.36% | 12.41% | 12.52% | 13.52% | 13.41% | 13.49% | +108 bps | |
| Net Worth / Assets | 12.31% | 12.40% | 12.36% | 12.41% | 12.52% | 13.52% | 13.41% | 13.49% | +108 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 75.90% | 74.61% | 73.49% | 75.35% | 77.17% | 74.78% | 71.69% | 72.46% | -289 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |