Atoka, TN · Charter 60726
NCUA · 2 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 | 1.19% | 1.31% | 1.08% | 0.76% | 0.42% | 0.21% | 0.74% | 1.14% | +38 bps | |
| Return on Equity | 11.39% | 11.86% | 10.10% | 6.96% | 3.77% | 1.98% | 6.81% | 9.91% | +295 bps | |
| Net Interest Margin | 4.23% | 4.49% | 4.26% | 4.24% | 4.30% | 4.24% | 3.84% | 3.85% | -39 bps | |
| Efficiency Ratio | 69.50% | 70.83% | 66.00% | 72.00% | 59.18% | 66.21% | 81.97% | 71.93% | -7 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.85% | -4.68% | 3.30% | 3.31% | -2.07% | 3.59% | -1.73% | -2.58% | -589 bps | |
| Loan Growth (YoY) | -3.87% | -5.44% | -4.47% | -2.11% | -16.23% | -12.59% | -14.73% | -23.58% | -2,147 bps | |
| Share Growth (YoY) | -6.92% | -6.26% | 2.70% | 1.47% | 0.99% | 1.46% | -1.96% | -2.57% | -404 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.34% | 0.56% | 1.66% | 2.66% | 1.75% | 0.76% | 0.90% | 0.63% | -204 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 | 10.44% | 11.04% | 10.68% | 10.96% | 11.06% | 10.75% | 10.86% | 11.52% | +56 bps | |
| Net Worth / Assets | 10.44% | 11.04% | 10.68% | 10.96% | 11.06% | 10.75% | 10.86% | 11.52% | +56 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 103.89% | 100.98% | 89.29% | 90.28% | 86.19% | 87.00% | 77.66% | 70.82% | -1,946 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |