Chattanooga, TN · Charter 606
NCUA · 6 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.05% | 0.06% | 0.41% | 0.50% | 0.51% | 0.48% | 0.50% | 0.51% | +2 bps | |
| Return on Equity | 0.43% | 0.52% | 3.72% | 4.43% | 4.49% | 4.27% | 4.41% | 4.50% | +7 bps | |
| Net Interest Margin | 1.34% | 1.38% | 1.80% | 1.85% | 1.87% | 1.88% | 2.00% | 2.03% | +19 bps | |
| Efficiency Ratio | 96.83% | 96.31% | 80.41% | 77.65% | 77.40% | 78.96% | 79.28% | 78.57% | +92 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.74% | 1.72% | 0.93% | 0.62% | 1.62% | 3.15% | 3.79% | 3.67% | +306 bps | |
| Loan Growth (YoY) | -2.88% | -3.10% | -0.81% | 1.17% | 1.51% | 2.33% | 1.25% | -1.17% | -234 bps | |
| Share Growth (YoY) | 1.96% | 1.90% | 0.88% | 0.40% | 1.37% | 3.00% | 3.69% | 3.56% | +316 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.19% | 0.24% | 0.11% | 0.17% | 0.09% | 0.13% | 0.10% | 0.41% | +24 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 | 11.11% | 11.09% | 11.06% | 11.19% | 11.33% | 11.23% | 11.30% | 11.42% | +24 bps | |
| Net Worth / Assets | 11.11% | 11.09% | 11.06% | 11.19% | 11.33% | 11.23% | 11.30% | 11.42% | +24 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 26.56% | 26.06% | 25.99% | 26.67% | 26.60% | 25.90% | 25.38% | 25.46% | -122 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |