Jackson, TN · Charter 60082
NCUA · 1 branch
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 | -2.40% | -1.60% | 1.79% | 0.17% | -0.21% | -0.21% | 0.03% | 0.04% | -14 bps | |
| Return on Equity | -22.98% | -15.83% | 17.40% | 1.68% | -1.93% | -2.01% | 0.32% | 0.33% | -135 bps | |
| Net Interest Margin | 4.08% | 3.97% | 3.45% | 3.50% | 4.00% | 3.87% | 3.74% | 3.87% | +36 bps | |
| Efficiency Ratio | 88.04% | 90.36% | 19.62% | 59.31% | 69.26% | 73.01% | 90.98% | 89.06% | +2,975 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -10.28% | -9.41% | -7.60% | -5.38% | -10.01% | -9.14% | -11.87% | -11.26% | -588 bps | |
| Loan Growth (YoY) | -17.24% | -20.08% | -22.68% | -25.35% | -26.03% | -25.39% | -24.68% | -21.51% | +384 bps | |
| Share Growth (YoY) | -8.36% | -7.55% | -7.36% | -5.78% | -11.17% | -9.97% | -12.58% | -12.44% | -666 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 4.04% | 3.27% | 3.99% | 4.33% | 2.65% | 1.92% | 2.34% | 2.92% | -141 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 | 10.44% | 10.09% | 10.31% | 10.25% | 11.14% | 10.41% | 10.50% | 10.76% | +51 bps | |
| Net Worth / Assets | 10.44% | 10.09% | 10.31% | 10.25% | 11.14% | 10.41% | 10.50% | 10.76% | +51 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 83.08% | 77.66% | 70.89% | 66.72% | 69.18% | 64.36% | 61.07% | 59.81% | -691 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |