Chattanooga, TN · Charter 62537
NCUA · 1 branch
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.78% | 0.79% | 0.74% | 0.51% | 0.56% | -22 bps | |
| Return on Equity | 4.65% | 4.59% | 4.30% | 3.03% | 3.34% | -131 bps | |
| Net Interest Margin | 2.81% | 2.83% | 2.82% | 2.77% | 2.78% | -4 bps | |
| Efficiency Ratio | 70.50% | 70.50% | 69.67% | 76.12% | 74.63% | +412 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 8.61% | 4.43% | 3.24% | 3.85% | 3.74% | -487 bps | |
| Loan Growth (YoY) | -1.05% | -2.29% | 0.35% | -0.17% | 1.21% | +226 bps | |
| Share Growth (YoY) | 9.45% | 4.28% | 3.05% | 3.85% | 3.71% | -575 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.74% | 1.17% | 1.16% | 1.03% | 0.39% | -135 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 16.85% | 17.15% | 17.14% | 16.94% | 16.86% | +1 bps | |
| Net Worth / Assets | 16.85% | 17.15% | 17.14% | 16.94% | 16.86% | +1 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 64.92% | 65.69% | 66.33% | 64.83% | 63.36% | -156 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |