PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Johnsonville TVA Employees

Camden, TN · Charter 60345

NCUA · 4 branches

Q2 2026

$180.7MAssets
$89.0MLoans
$149.7MShares
$29.6MNet Worth

Executive Summary

  • Earnings: ROA of 1.80%, down 14 bps year over year; NIM at 3.63%.
  • Asset quality: problem loans at 0.73% of loans (0 bps YoY).
  • Capital: net worth / assets of 16.39%, up 67 bps from a year ago.
  • Funding: loans stand at 59.43% of shares as of Q2 2026.

Return on Assets (quarter, annualized)

1.80%-14 bps YoY

Net Interest Margin (quarter, annualized)

3.63%-10 bps YoY

Efficiency Ratio (quarter, annualized)

52.65%-52 bps YoY

Net Worth / Assets

16.39%+67 bps YoY

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.92%1.75%1.92%1.95%2.07%1.83%1.72%1.80%-14 bps
Return on Equity12.52%11.47%12.44%12.38%12.68%11.31%10.79%11.00%-138 bps
Net Interest Margin3.51%3.47%3.70%3.74%3.80%3.71%3.57%3.63%-10 bps
Efficiency Ratio56.19%58.89%53.76%53.17%51.85%54.44%53.40%52.65%-52 bps
Growth
Asset Growth (YoY)6.63%8.84%7.70%7.57%6.07%5.81%8.38%7.21%-37 bps
Loan Growth (YoY)-0.39%-2.28%0.00%1.57%1.44%1.86%-0.01%-1.89%-346 bps
Share Growth (YoY)5.08%7.51%6.29%6.00%4.54%4.31%7.43%5.89%-11 bps
Asset Quality
Delinquent Loans / Loans0.92%0.89%0.74%0.73%0.78%0.87%0.55%0.73%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital15.35%15.22%15.46%15.72%16.34%16.19%15.99%16.39%+67 bps
Net Worth / Assets15.35%15.22%15.46%15.72%16.34%16.19%15.99%16.39%+67 bps
Liquidity & Funding
Loans / Shares66.08%63.02%63.30%64.14%64.12%61.54%58.92%59.43%-471 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps