PackageTrendsPeer
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Comtrust

Chattanooga, TN · Charter 606

NCUA · 6 branches

Q2 2026

$429.7MAssets
$96.7MLoans
$379.7MShares
$49.1MNet 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 0.51%, up 2 bps year over year; NIM at 2.03%.
  • Asset quality: problem loans at 0.41% of loans (+24 bps YoY).
  • Capital: net worth / assets of 11.42%, up 24 bps from a year ago.
  • Funding: loans stand at 25.46% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.51%+2 bps YoY

Net Interest Margin (YTD, annualized)

2.03%+19 bps YoY

Efficiency Ratio (YTD, annualized)

78.57%+92 bps YoY

Net Worth / Assets

11.42%+24 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.50%0.51%0.48%0.50%0.51%+2 bps
Return on Equity4.43%4.49%4.27%4.41%4.50%+7 bps
Net Interest Margin1.85%1.87%1.88%2.00%2.03%+19 bps
Efficiency Ratio77.65%77.40%78.96%79.28%78.57%+92 bps
Growth
Asset Growth (YoY)0.62%1.62%3.15%3.79%3.67%+306 bps
Loan Growth (YoY)1.17%1.51%2.33%1.25%-1.17%-234 bps
Share Growth (YoY)0.40%1.37%3.00%3.69%3.56%+316 bps
Asset Quality
Delinquent Loans / Loans0.17%0.09%0.13%0.10%0.41%+24 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 Capital11.19%11.33%11.23%11.30%11.42%+24 bps
Net Worth / Assets11.19%11.33%11.23%11.30%11.42%+24 bps
Liquidity & Funding
Loans / Shares26.67%26.60%25.90%25.38%25.46%-122 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps