Gallatin, TN · Charter 63868
NCUA · 1 branch
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.52% | 1.54% | 1.55% | 1.42% | 0.59% | -94 bps | |
| Return on Equity | 9.22% | 9.16% | 8.74% | 8.07% | 3.47% | -575 bps | |
| Net Interest Margin | 3.91% | 3.91% | 4.04% | 3.79% | 3.68% | -24 bps | |
| Efficiency Ratio | 62.28% | 61.75% | 62.88% | 63.95% | 65.38% | +309 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 4.35% | 4.31% | -1.21% | 0.67% | 3.73% | -62 bps | |
| Loan Growth (YoY) | 3.30% | -4.51% | -5.42% | -9.27% | -4.36% | -767 bps | |
| Share Growth (YoY) | 3.56% | 3.63% | -3.33% | -0.98% | 3.18% | -39 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.52% | 0.54% | 0.89% | 0.01% | 2.55% | +203 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.66% | 1.70% | 1.70% | 1.47% | 2.10% | +44 bps | |
| Capital | |||||||
| Risk-Based Capital | 16.54% | 16.85% | 17.77% | 17.57% | 16.96% | +42 bps | |
| Net Worth / Assets | 16.54% | 16.85% | 17.77% | 17.57% | 16.96% | +42 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 72.66% | 70.70% | 74.09% | 67.95% | 67.35% | -531 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |