PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Leaders Credit Union

Jackson, TN · Charter 61185

NCUA · 11 branches

Q2 2026

$1.4BAssets
$1.2BLoans
$1.2BShares
$150.5MNet 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 1.38%, down 4 bps year over year; NIM at 3.28%.
  • Asset quality: problem loans at 0.64% of loans (+13 bps YoY).
  • Capital: net worth / assets of 10.71%, up 1 bps from a year ago.
  • Funding: loans stand at 102.56% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.38%-4 bps YoY

Net Interest Margin (YTD, annualized)

3.28%+9 bps YoY

Efficiency Ratio (YTD, annualized)

64.81%+54 bps YoY

Net Worth / Assets

10.71%+1 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.42%1.40%1.36%1.19%1.38%-4 bps
Return on Equity13.28%13.07%12.44%10.77%12.85%-42 bps
Net Interest Margin3.19%3.22%3.29%3.34%3.28%+9 bps
Efficiency Ratio64.26%65.07%66.54%67.71%64.81%+54 bps
Growth
Asset Growth (YoY)15.39%13.44%12.87%10.87%13.81%-158 bps
Loan Growth (YoY)15.86%11.57%10.38%11.37%12.78%-309 bps
Share Growth (YoY)14.80%13.05%13.77%12.89%14.30%-50 bps
Asset Quality
Delinquent Loans / Loans0.51%0.62%0.79%0.62%0.64%+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 Capital10.70%10.74%10.92%11.02%10.71%+1 bps
Net Worth / Assets10.70%10.74%10.92%11.02%10.71%+1 bps
Liquidity & Funding
Loans / Shares103.94%102.03%99.11%99.17%102.56%-138 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps