PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

The West Tennessee

Atoka, TN · Charter 60726

NCUA · 2 branches

Q2 2026

$17.9MAssets
$11.1MLoans
$15.7MShares
$2.1MNet 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 1.14%, up 38 bps year over year; NIM at 3.85%.
  • Asset quality: problem loans at 0.63% of loans (-204 bps YoY).
  • Capital: net worth / assets of 11.52%, up 56 bps from a year ago.
  • Funding: loans stand at 70.82% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.14%+38 bps YoY

Net Interest Margin (YTD, annualized)

3.85%-39 bps YoY

Efficiency Ratio (YTD, annualized)

71.93%-7 bps YoY

Net Worth / Assets

11.52%+56 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.76%0.42%0.21%0.74%1.14%+38 bps
Return on Equity6.96%3.77%1.98%6.81%9.91%+295 bps
Net Interest Margin4.24%4.30%4.24%3.84%3.85%-39 bps
Efficiency Ratio72.00%59.18%66.21%81.97%71.93%-7 bps
Growth
Asset Growth (YoY)3.31%-2.07%3.59%-1.73%-2.58%-589 bps
Loan Growth (YoY)-2.11%-16.23%-12.59%-14.73%-23.58%-2,147 bps
Share Growth (YoY)1.47%0.99%1.46%-1.96%-2.57%-404 bps
Asset Quality
Delinquent Loans / Loans2.66%1.75%0.76%0.90%0.63%-204 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 Capital10.96%11.06%10.75%10.86%11.52%+56 bps
Net Worth / Assets10.96%11.06%10.75%10.86%11.52%+56 bps
Liquidity & Funding
Loans / Shares90.28%86.19%87.00%77.66%70.82%-1,946 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps