Collierville, TN · Charter 5974
NCUA · 7 branches
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 | 0.61% | 0.61% | 0.49% | 0.53% | 0.56% | 0.58% | 0.47% | 0.17% | -36 bps | |
| Return on Equity | 6.23% | 6.01% | 4.85% | 5.31% | 5.58% | 5.60% | 4.61% | 1.70% | -361 bps | |
| Net Interest Margin | 3.13% | 3.18% | 3.17% | 3.17% | 3.24% | 3.30% | 3.25% | 3.26% | +9 bps | |
| Efficiency Ratio | 78.87% | 79.21% | 81.29% | 79.21% | 78.59% | 78.89% | 80.98% | 87.76% | +854 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.32% | -0.18% | 0.34% | 2.78% | 3.44% | 4.27% | 3.80% | 2.30% | -48 bps | |
| Loan Growth (YoY) | 8.01% | 8.96% | 6.83% | 12.61% | 18.52% | 14.07% | 12.62% | 6.61% | -599 bps | |
| Share Growth (YoY) | 0.54% | -0.89% | -0.56% | 2.03% | 2.74% | 3.13% | 3.15% | 2.02% | -1 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.26% | 2.57% | 2.03% | 1.84% | 1.56% | 1.48% | 1.42% | 1.72% | -12 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 | 9.84% | 10.14% | 10.05% | 9.94% | 10.07% | 10.30% | 10.25% | 10.11% | +17 bps | |
| Net Worth / Assets | 9.84% | 10.14% | 10.05% | 9.94% | 10.07% | 10.30% | 10.25% | 10.11% | +17 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 70.51% | 73.65% | 74.05% | 77.08% | 81.34% | 81.46% | 80.84% | 80.55% | +347 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |