Jackson, TN · Charter 61185
NCUA · 11 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 | 1.35% | 1.38% | 1.13% | 1.42% | 1.40% | 1.36% | 1.19% | 1.38% | -4 bps | |
| Return on Equity | 12.73% | 12.81% | 10.57% | 13.28% | 13.07% | 12.44% | 10.77% | 12.85% | -42 bps | |
| Net Interest Margin | 3.04% | 3.06% | 3.08% | 3.19% | 3.22% | 3.29% | 3.34% | 3.28% | +9 bps | |
| Efficiency Ratio | 66.48% | 66.45% | 68.03% | 64.26% | 65.07% | 66.54% | 67.71% | 64.81% | +54 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 15.26% | 15.60% | 16.02% | 15.39% | 13.44% | 12.87% | 10.87% | 13.81% | -158 bps | |
| Loan Growth (YoY) | 15.76% | 15.15% | 15.70% | 15.86% | 11.57% | 10.38% | 11.37% | 12.78% | -309 bps | |
| Share Growth (YoY) | 13.83% | 15.03% | 15.24% | 14.80% | 13.05% | 13.77% | 12.89% | 14.30% | -50 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.67% | 0.68% | 0.56% | 0.51% | 0.62% | 0.79% | 0.62% | 0.64% | +13 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 | 10.60% | 10.79% | 10.69% | 10.70% | 10.74% | 10.92% | 11.02% | 10.71% | +1 bps | |
| Net Worth / Assets | 10.60% | 10.79% | 10.69% | 10.70% | 10.74% | 10.92% | 11.02% | 10.71% | +1 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 103.38% | 102.15% | 100.53% | 103.94% | 102.03% | 99.11% | 99.17% | 102.56% | -138 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |