PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Parthenon

Nashville, TN · Charter 4809

NCUA · 1 branch

Q2 2026

$17.1MAssets
$13.7MLoans
$14.2MShares
$2.8MNet 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 -3.01%, down 289 bps year over year; NIM at 4.49%.
  • Asset quality: problem loans at 6.04% of loans (-245 bps YoY).
  • Capital: net worth / assets of 16.12%, down 127 bps from a year ago.
  • Funding: loans stand at 96.70% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

-3.01%-289 bps YoY

Net Interest Margin (quarter, annualized)

4.49%-6 bps YoY

Efficiency Ratio (quarter, annualized)

78.50%+420 bps YoY

Net Worth / Assets

16.12%-127 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.12%0.09%-0.61%-3.18%-3.01%-289 bps
Return on Equity-0.68%0.49%-3.55%-19.19%-18.65%-1,798 bps
Net Interest Margin4.54%4.70%4.56%4.49%4.49%-6 bps
Efficiency Ratio74.30%73.88%73.27%82.18%78.50%+420 bps
Growth
Asset Growth (YoY)-1.36%-6.33%-5.65%-8.53%-4.36%-300 bps
Loan Growth (YoY)-3.36%-6.78%-6.85%-5.71%-8.63%-527 bps
Share Growth (YoY)-2.67%-7.59%-5.99%-8.47%-2.56%+12 bps
Asset Quality
Delinquent Loans / Loans8.49%8.13%7.18%3.96%6.04%-245 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 Capital17.40%18.16%17.11%16.58%16.12%-127 bps
Net Worth / Assets17.40%18.16%17.11%16.58%16.12%-127 bps
Liquidity & Funding
Loans / Shares103.12%105.91%99.59%97.89%96.70%-642 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps