PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Kennedy VA Employees

Memphis, TN · Charter 5811

NCUA · 1 branch

Q2 2026

$24.4MAssets
$7.5MLoans
$20.3MShares
$4.0MNet Worth

Executive Summary

  • Earnings: ROA of 0.67%, up 155 bps year over year; NIM at 4.28%.
  • Asset quality: problem loans at 0.52% of loans (-21 bps YoY).
  • Capital: net worth / assets of 16.31%, up 171 bps from a year ago.
  • Funding: loans stand at 36.90% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

0.67%+155 bps YoY

Net Interest Margin (YTD, annualized)

4.28%+15 bps YoY

Efficiency Ratio (YTD, annualized)

88.06%+18 bps YoY

Net Worth / Assets

16.31%+171 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.71%0.52%-1.67%-0.89%-0.43%-0.11%0.71%0.67%+155 bps
Return on Equity4.79%3.46%-11.65%-6.07%-2.89%-0.73%4.58%4.09%+1,016 bps
Net Interest Margin4.18%4.19%4.03%4.12%4.09%4.16%4.05%4.28%+15 bps
Efficiency Ratio82.36%85.42%89.06%87.88%90.52%89.82%88.06%88.06%+18 bps
Growth
Asset Growth (YoY)2.53%1.55%2.12%0.77%-2.50%-2.10%-4.33%-6.51%-728 bps
Loan Growth (YoY)-8.91%-19.19%-19.56%-22.25%-25.11%-26.37%-28.54%-27.24%-500 bps
Share Growth (YoY)1.82%1.30%2.55%1.18%-2.65%-2.50%-5.66%-8.46%-964 bps
Asset Quality
Delinquent Loans / Loans1.08%1.70%1.26%0.73%0.51%0.68%0.64%0.52%-21 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 Capital14.87%15.03%14.32%14.60%14.91%15.24%15.47%16.31%+171 bps
Net Worth / Assets14.87%15.03%14.32%14.60%14.91%15.24%15.47%16.31%+171 bps
Liquidity & Funding
Loans / Shares56.08%52.56%48.18%46.43%43.14%39.69%36.49%36.90%-953 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps