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Patriot Equity

Jackson, TN · Charter 60082

NCUA · 1 branch

Q2 2026

$33.0MAssets
$17.5MLoans
$29.3MShares
$3.6MNet 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 0.04%, down 14 bps year over year; NIM at 3.87%.
  • Asset quality: problem loans at 2.92% of loans (-141 bps YoY).
  • Capital: net worth / assets of 10.76%, up 51 bps from a year ago.
  • Funding: loans stand at 59.81% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.04%-14 bps YoY

Net Interest Margin (quarter, annualized)

3.87%+36 bps YoY

Efficiency Ratio (quarter, annualized)

89.06%+2,975 bps YoY

Net Worth / Assets

10.76%+51 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.17%-0.21%-0.21%0.03%0.04%-14 bps
Return on Equity1.68%-1.93%-2.01%0.32%0.33%-135 bps
Net Interest Margin3.50%4.00%3.87%3.74%3.87%+36 bps
Efficiency Ratio59.31%69.26%73.01%90.98%89.06%+2,975 bps
Growth
Asset Growth (YoY)-5.38%-10.01%-9.14%-11.87%-11.26%-588 bps
Loan Growth (YoY)-25.35%-26.03%-25.39%-24.68%-21.51%+384 bps
Share Growth (YoY)-5.78%-11.17%-9.97%-12.58%-12.44%-666 bps
Asset Quality
Delinquent Loans / Loans4.33%2.65%1.92%2.34%2.92%-141 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 Capital10.25%11.14%10.41%10.50%10.76%+51 bps
Net Worth / Assets10.25%11.14%10.41%10.50%10.76%+51 bps
Liquidity & Funding
Loans / Shares66.72%69.18%64.36%61.07%59.81%-691 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps