PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

TLC Community

Adrian, MI · Charter 60509

NCUA · 8 branches

Q2 2026

$950.2MAssets
$451.6MLoans
$746.7MShares
$137.6MNet 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 1.15%, up 16 bps year over year; NIM at 2.95%.
  • Asset quality: problem loans at 0.14% of loans (+2 bps YoY).
  • Capital: net worth / assets of 14.48%, up 42 bps from a year ago.
  • Funding: loans stand at 60.47% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

1.15%+16 bps YoY

Net Interest Margin (quarter, annualized)

2.95%+37 bps YoY

Efficiency Ratio (quarter, annualized)

69.15%-186 bps YoY

Net Worth / Assets

14.48%+42 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.00%1.09%1.10%0.77%1.15%+16 bps
Return on Equity7.08%7.55%7.63%5.42%7.97%+89 bps
Net Interest Margin2.58%2.70%2.72%2.88%2.95%+37 bps
Efficiency Ratio71.00%69.36%68.67%76.37%69.15%-186 bps
Growth
Asset Growth (YoY)20.83%15.75%17.30%14.16%5.47%-1,537 bps
Loan Growth (YoY)9.42%17.60%14.80%15.08%16.34%+692 bps
Share Growth (YoY)7.61%7.20%7.85%5.45%4.82%-279 bps
Asset Quality
Delinquent Loans / Loans0.11%0.16%0.13%0.10%0.14%+2 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 Capital14.06%14.39%14.36%14.28%14.48%+42 bps
Net Worth / Assets14.06%14.39%14.36%14.28%14.48%+42 bps
Liquidity & Funding
Loans / Shares54.48%59.65%59.21%58.82%60.47%+599 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps