Nashville, TN · Charter 4809
NCUA · 1 branch
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 | 0.68% | 0.52% | 0.10% | -0.12% | 0.09% | -0.61% | -3.18% | -3.01% | -289 bps | |
| Return on Equity | 4.01% | 3.10% | 0.58% | -0.68% | 0.49% | -3.55% | -19.19% | -18.65% | -1,798 bps | |
| Net Interest Margin | 4.19% | 4.09% | 4.07% | 4.54% | 4.70% | 4.56% | 4.49% | 4.49% | -6 bps | |
| Efficiency Ratio | 73.17% | 72.59% | 78.71% | 74.30% | 73.88% | 73.27% | 82.18% | 78.50% | +420 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.05% | 3.37% | 6.57% | -1.36% | -6.33% | -5.65% | -8.53% | -4.36% | -300 bps | |
| Loan Growth (YoY) | -2.65% | -3.39% | -5.07% | -3.36% | -6.78% | -6.85% | -5.71% | -8.63% | -527 bps | |
| Share Growth (YoY) | 3.50% | 2.90% | 7.05% | -2.67% | -7.59% | -5.99% | -8.47% | -2.56% | +12 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 7.34% | 8.63% | 9.96% | 8.49% | 8.13% | 7.18% | 3.96% | 6.04% | -245 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 | 16.93% | 16.72% | 16.48% | 17.40% | 18.16% | 17.11% | 16.58% | 16.12% | -127 bps | |
| Net Worth / Assets | 16.93% | 16.72% | 16.48% | 17.40% | 18.16% | 17.11% | 16.58% | 16.12% | -127 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 104.99% | 100.52% | 95.02% | 103.12% | 105.91% | 99.59% | 97.89% | 96.70% | -642 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |