Erwin, TN · Charter 5549
NCUA · 1 branch
Q2 2026
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.80% | 0.69% | 0.97% | 1.18% | 1.20% | 1.05% | 0.89% | 1.05% | -13 bps | |
| Return on Equity | 6.65% | 5.74% | 8.03% | 9.51% | 9.46% | 8.47% | 7.25% | 8.44% | -107 bps | |
| Net Interest Margin | 2.77% | 2.81% | 2.93% | 3.01% | 3.09% | 3.04% | 3.22% | 3.18% | +18 bps | |
| Efficiency Ratio | 74.33% | 74.24% | 72.79% | 72.49% | 71.33% | 74.17% | 76.04% | 76.10% | +361 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.95% | 4.79% | 4.59% | 4.64% | 1.98% | 5.87% | 6.92% | 7.78% | +314 bps | |
| Loan Growth (YoY) | 5.37% | 3.30% | 3.36% | 1.56% | -0.35% | 3.04% | 6.90% | 8.79% | +723 bps | |
| Share Growth (YoY) | 4.23% | 4.28% | 3.71% | 3.48% | 0.85% | 4.62% | 6.36% | 7.69% | +421 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.43% | 0.58% | 0.12% | 0.47% | 0.31% | 0.64% | 0.12% | 0.25% | -22 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 | 11.96% | 12.07% | 12.11% | 12.40% | 12.71% | 12.44% | 12.34% | 12.49% | +9 bps | |
| Net Worth / Assets | 11.96% | 12.07% | 12.11% | 12.40% | 12.71% | 12.44% | 12.34% | 12.49% | +9 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 55.23% | 54.48% | 54.28% | 54.00% | 54.58% | 53.66% | 54.55% | 54.55% | +55 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |