Chattanooga, TN · Charter 62537
NCUA · 1 branch
Q2 2026
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.69% | 0.71% | 0.77% | 0.78% | 0.79% | 0.74% | 0.51% | 0.56% | -22 bps | |
| Return on Equity | 4.05% | 4.22% | 4.53% | 4.65% | 4.59% | 4.30% | 3.03% | 3.34% | -131 bps | |
| Net Interest Margin | 2.68% | 2.66% | 2.82% | 2.81% | 2.83% | 2.82% | 2.77% | 2.78% | -4 bps | |
| Efficiency Ratio | 71.92% | 70.81% | 71.06% | 70.50% | 70.50% | 69.67% | 76.12% | 74.63% | +412 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.66% | 8.41% | 8.55% | 8.61% | 4.43% | 3.24% | 3.85% | 3.74% | -487 bps | |
| Loan Growth (YoY) | 1.50% | 0.92% | 1.76% | -1.05% | -2.29% | 0.35% | -0.17% | 1.21% | +226 bps | |
| Share Growth (YoY) | 10.80% | 9.22% | 9.39% | 9.45% | 4.28% | 3.05% | 3.85% | 3.71% | -575 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.65% | 0.71% | 0.30% | 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 | 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 | 17.08% | 16.93% | 16.90% | 16.85% | 17.15% | 17.14% | 16.94% | 16.86% | +1 bps | |
| Net Worth / Assets | 17.08% | 16.93% | 16.90% | 16.85% | 17.15% | 17.14% | 16.94% | 16.86% | +1 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 70.11% | 68.11% | 67.44% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |