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Johnson City, TN · Charter 6079

NCUA · 3 branches

Q2 2026

$62.4MAssets
$47.1MLoans
$52.9MShares
$8.5MNet 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 0.82%, down 40 bps year over year; NIM at 3.48%.
  • Asset quality: problem loans at 0.18% of loans (+13 bps YoY).
  • Capital: net worth / assets of 13.67%, up 64 bps from a year ago.
  • Funding: loans stand at 88.88% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.82%-40 bps YoY

Net Interest Margin (YTD, annualized)

3.48%+12 bps YoY

Efficiency Ratio (YTD, annualized)

78.19%+664 bps YoY

Net Worth / Assets

13.67%+64 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.22%1.10%1.08%0.81%0.82%-40 bps
Return on Equity9.34%8.55%8.14%6.05%5.99%-335 bps
Net Interest Margin3.35%3.33%3.43%3.44%3.48%+12 bps
Efficiency Ratio71.55%71.93%72.20%78.93%78.19%+664 bps
Growth
Asset Growth (YoY)4.75%4.63%4.77%3.47%1.52%-324 bps
Loan Growth (YoY)-2.24%1.06%-0.17%0.09%-0.15%+209 bps
Share Growth (YoY)5.04%4.51%4.30%2.83%0.68%-436 bps
Asset Quality
Delinquent Loans / Loans0.05%0.01%0.09%0.07%0.18%+13 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 Capital13.03%12.88%13.29%13.39%13.67%+64 bps
Net Worth / Assets13.03%12.88%13.29%13.39%13.67%+64 bps
Liquidity & Funding
Loans / Shares89.62%87.77%88.87%88.48%88.88%-74 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps