Knoxville, TN · Charter 60645
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 | 1.29% | 0.97% | 1.75% | 1.74% | 1.59% | 1.20% | 1.63% | 1.64% | -10 bps | |
| Return on Equity | 8.37% | 6.46% | 11.60% | 11.41% | 10.44% | 8.15% | 11.23% | 10.98% | -43 bps | |
| Net Interest Margin | 3.39% | 3.26% | 3.65% | 3.69% | 3.50% | 3.33% | 3.39% | 3.44% | -25 bps | |
| Efficiency Ratio | 68.33% | 72.81% | 61.00% | 62.77% | 64.24% | 71.51% | 60.40% | 63.34% | +57 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.98% | 4.93% | 5.28% | 7.03% | 8.59% | 9.87% | 11.64% | 9.87% | +284 bps | |
| Loan Growth (YoY) | 0.65% | 1.56% | 3.30% | 1.66% | -4.71% | -5.64% | -6.99% | -8.46% | -1,012 bps | |
| Share Growth (YoY) | 2.46% | 4.65% | 5.28% | 6.77% | 8.31% | 10.00% | 11.99% | 10.00% | +323 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.11% | 0.44% | 0.08% | 0.25% | 0.11% | 0.40% | 0.05% | 0.11% | -14 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 | 15.41% | 15.05% | 15.05% | 15.25% | 15.24% | 14.75% | 14.51% | 14.91% | -34 bps | |
| Net Worth / Assets | 15.41% | 15.05% | 15.05% | 15.25% | 15.24% | 14.75% | 14.51% | 14.91% | -34 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 56.64% | 54.86% | 52.91% | 52.69% | 49.83% | 47.06% | 43.95% | 43.85% | -884 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |