Chattanooga, TN · Charter 60619
NCUA · 3 branches
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 | -0.21% | -0.13% | 0.07% | 0.14% | 0.22% | 0.26% | 0.34% | 0.58% | +44 bps | |
| Return on Equity | -2.10% | -1.19% | 0.70% | 1.29% | 2.08% | 2.53% | 3.21% | 4.98% | +369 bps | |
| Net Interest Margin | 2.41% | 2.57% | 2.73% | 2.90% | 2.98% | 3.00% | 3.10% | 3.01% | +11 bps | |
| Efficiency Ratio | 97.22% | 94.13% | 88.16% | 85.55% | 82.03% | 80.87% | 81.15% | 72.37% | -1,318 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.01% | -4.47% | -3.27% | -3.21% | -3.26% | 3.28% | -0.32% | 12.04% | +1,525 bps | |
| Loan Growth (YoY) | -6.64% | -5.45% | -8.63% | -8.65% | -6.23% | -4.86% | -3.97% | -2.71% | +594 bps | |
| Share Growth (YoY) | -2.04% | -5.96% | -5.16% | -5.22% | -4.01% | 2.37% | 0.42% | 11.96% | +1,717 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.45% | 2.25% | 3.13% | 5.34% | 2.25% | 3.17% | 4.93% | 8.72% | +338 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 | 10.13% | 10.54% | 10.47% | 10.64% | 10.57% | 10.37% | 10.75% | 11.63% | +100 bps | |
| Net Worth / Assets | 10.13% | 10.54% | 10.47% | 10.64% | 10.57% | 10.37% | 10.75% | 11.63% | +100 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 47.78% | 49.34% | 46.53% | 47.30% | 46.67% | 45.85% | 44.50% | 41.11% | -620 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |