PackageTrendsPeer
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New South Credit Union

Knoxville, TN · Charter 60645

NCUA · 3 branches

Q2 2026

$90.3MAssets
$33.4MLoans
$76.1MShares
$13.5MNet 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 1.64%, down 10 bps year over year; NIM at 3.44%.
  • Asset quality: problem loans at 0.11% of loans (-14 bps YoY).
  • Capital: net worth / assets of 14.91%, down 34 bps from a year ago.
  • Funding: loans stand at 43.85% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.64%-10 bps YoY

Net Interest Margin (YTD, annualized)

3.44%-25 bps YoY

Efficiency Ratio (YTD, annualized)

63.34%+57 bps YoY

Net Worth / Assets

14.91%-34 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.74%1.59%1.20%1.63%1.64%-10 bps
Return on Equity11.41%10.44%8.15%11.23%10.98%-43 bps
Net Interest Margin3.69%3.50%3.33%3.39%3.44%-25 bps
Efficiency Ratio62.77%64.24%71.51%60.40%63.34%+57 bps
Growth
Asset Growth (YoY)7.03%8.59%9.87%11.64%9.87%+284 bps
Loan Growth (YoY)1.66%-4.71%-5.64%-6.99%-8.46%-1,012 bps
Share Growth (YoY)6.77%8.31%10.00%11.99%10.00%+323 bps
Asset Quality
Delinquent Loans / Loans0.25%0.11%0.40%0.05%0.11%-14 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 Capital15.25%15.24%14.75%14.51%14.91%-34 bps
Net Worth / Assets15.25%15.24%14.75%14.51%14.91%-34 bps
Liquidity & Funding
Loans / Shares52.69%49.83%47.06%43.95%43.85%-884 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps