Greeneville, TN · Charter 60056
NCUA · 8 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 | 0.26% | 0.33% | 0.55% | 0.65% | 0.75% | 0.79% | 1.08% | 1.15% | +50 bps | |
| Return on Equity | 2.64% | 3.29% | 5.38% | 6.46% | 7.31% | 7.69% | 10.27% | 10.74% | +428 bps | |
| Net Interest Margin | 1.59% | 1.68% | 1.97% | 2.03% | 2.12% | 2.15% | 2.40% | 2.45% | +42 bps | |
| Efficiency Ratio | 86.40% | 83.58% | 76.25% | 73.16% | 71.02% | 70.03% | 63.06% | 62.25% | -1,092 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.21% | -1.49% | -2.93% | 0.57% | 1.98% | 4.58% | 6.26% | 4.65% | +408 bps | |
| Loan Growth (YoY) | -5.73% | -0.69% | 3.87% | 8.08% | 12.04% | 9.85% | 8.06% | 7.69% | -40 bps | |
| Share Growth (YoY) | -0.94% | -1.83% | -1.51% | -1.31% | 0.52% | 2.78% | 2.11% | 2.14% | +346 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.18% | 0.17% | 0.19% | 0.15% | 0.09% | 0.10% | 0.12% | 0.10% | -6 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 | 9.79% | 9.98% | 10.22% | 10.11% | 10.30% | 10.34% | 10.55% | 10.71% | +59 bps | |
| Net Worth / Assets | 9.79% | 9.98% | 10.22% | 10.11% | 10.30% | 10.34% | 10.55% | 10.71% | +59 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 79.33% | 81.45% | 82.83% | 86.38% | 88.42% | 87.06% | 87.65% | 91.07% | +469 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |