PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Consumer

Greeneville, TN · Charter 60056

NCUA · 8 branches

Q2 2026

$660.5MAssets
$500.7MLoans
$549.8MShares
$70.7MNet 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 1.15%, up 50 bps year over year; NIM at 2.45%.
  • Asset quality: problem loans at 0.10% of loans (-6 bps YoY).
  • Capital: net worth / assets of 10.71%, up 59 bps from a year ago.
  • Funding: loans stand at 91.07% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.15%+50 bps YoY

Net Interest Margin (YTD, annualized)

2.45%+42 bps YoY

Efficiency Ratio (YTD, annualized)

62.25%-1,092 bps YoY

Net Worth / Assets

10.71%+59 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.65%0.75%0.79%1.08%1.15%+50 bps
Return on Equity6.46%7.31%7.69%10.27%10.74%+428 bps
Net Interest Margin2.03%2.12%2.15%2.40%2.45%+42 bps
Efficiency Ratio73.16%71.02%70.03%63.06%62.25%-1,092 bps
Growth
Asset Growth (YoY)0.57%1.98%4.58%6.26%4.65%+408 bps
Loan Growth (YoY)8.08%12.04%9.85%8.06%7.69%-40 bps
Share Growth (YoY)-1.31%0.52%2.78%2.11%2.14%+346 bps
Asset Quality
Delinquent Loans / Loans0.15%0.09%0.10%0.12%0.10%-6 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 Capital10.11%10.30%10.34%10.55%10.71%+59 bps
Net Worth / Assets10.11%10.30%10.34%10.55%10.71%+59 bps
Liquidity & Funding
Loans / Shares86.38%88.42%87.06%87.65%91.07%+469 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps