PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

United Southeast

Bristol, TN · Charter 4714

NCUA · 6 branches

Q2 2026

$256.0MAssets
$159.8MLoans
$220.6MShares
$34.5MNet Worth

Executive Summary

  • Earnings: ROA of 0.55%, down 27 bps year over year; NIM at 3.67%.
  • Asset quality: problem loans at 0.40% of loans (-7 bps YoY).
  • Capital: net worth / assets of 13.49%, up 108 bps from a year ago.
  • Funding: loans stand at 72.46% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

0.55%-27 bps YoY

Net Interest Margin (YTD, annualized)

3.67%+19 bps YoY

Efficiency Ratio (YTD, annualized)

73.68%+288 bps YoY

Net Worth / Assets

13.49%+108 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.60%0.67%0.53%0.82%0.78%0.88%0.63%0.55%-27 bps
Return on Equity4.85%5.41%4.28%6.58%6.25%6.52%4.72%4.06%-253 bps
Net Interest Margin3.33%3.28%3.43%3.48%3.58%3.54%3.54%3.67%+19 bps
Efficiency Ratio71.51%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 / Loans0.56%0.80%0.22%0.48%0.47%0.43%0.26%0.40%-7 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital12.31%12.40%12.36%12.41%12.52%13.52%13.41%13.49%+108 bps
Net Worth / Assets12.31%12.40%12.36%12.41%12.52%13.52%13.41%13.49%+108 bps
Liquidity & Funding
Loans / Shares75.90%74.61%73.49%75.35%77.17%74.78%71.69%72.46%-289 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps