Chattanooga, TN · Charter 63802
NCUA · 1 branch
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 | -0.39% | -0.42% | -0.20% | -0.12% | -0.09% | 0.05% | -0.81% | -0.38% | -27 bps | |
| Return on Equity | -2.76% | -2.99% | -1.39% | -0.84% | -0.62% | 0.32% | -5.73% | -2.79% | -196 bps | |
| Net Interest Margin | 4.44% | 4.51% | 4.70% | 4.69% | 4.89% | 4.83% | 4.93% | 4.80% | +12 bps | |
| Efficiency Ratio | 98.53% | 101.13% | 103.36% | 101.98% | 101.44% | 99.25% | 113.62% | 106.58% | +460 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -13.22% | -12.86% | -10.03% | -2.11% | -1.69% | 1.37% | -1.23% | -0.37% | +174 bps | |
| Loan Growth (YoY) | -14.37% | -18.53% | -18.23% | -19.64% | -13.20% | -10.39% | -13.58% | -14.32% | +531 bps | |
| Share Growth (YoY) | -11.33% | -10.86% | -8.10% | -2.09% | -2.16% | 1.54% | -1.30% | -0.24% | +184 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.23% | 0.47% | 0.75% | 1.00% | 1.16% | 0.26% | 0.25% | 1.20% | +19 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 | 0.22% | 0.70% | 0.47% | 0.50% | 0.51% | 0.38% | 0.41% | 0.27% | -23 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 14.01% | 14.00% | 14.11% | 13.79% | 14.06% | 13.86% | 14.18% | 13.75% | -4 bps | |
| Net Worth / Assets | 14.01% | 14.00% | 14.11% | 13.79% | 14.06% | 13.86% | 14.18% | 13.75% | -4 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 72.21% | 68.22% | 65.70% | 62.95% | 64.06% | 60.21% | 57.53% | 54.06% | -888 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |