Gallatin, TN · Charter 63868
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 | 1.38% | 1.05% | 1.49% | 1.52% | 1.54% | 1.55% | 1.42% | 0.59% | -94 bps | |
| Return on Equity | 8.44% | 6.56% | 9.19% | 9.22% | 9.16% | 8.74% | 8.07% | 3.47% | -575 bps | |
| Net Interest Margin | 3.57% | 3.61% | 3.89% | 3.91% | 3.91% | 4.04% | 3.79% | 3.68% | -24 bps | |
| Efficiency Ratio | 63.54% | 63.82% | 62.74% | 62.28% | 61.75% | 62.88% | 63.95% | 65.38% | +309 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.42% | 11.63% | 7.16% | 4.35% | 4.31% | -1.21% | 0.67% | 3.73% | -62 bps | |
| Loan Growth (YoY) | 3.68% | 8.68% | 5.10% | 3.30% | -4.51% | -5.42% | -9.27% | -4.36% | -767 bps | |
| Share Growth (YoY) | 10.01% | 12.63% | 6.99% | 3.56% | 3.63% | -3.33% | -0.98% | 3.18% | -39 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.71% | 0.58% | 0.18% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 1.19% | 1.66% | 1.62% | 1.66% | 1.70% | 1.70% | 1.47% | 2.10% | +44 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 16.33% | 16.02% | 16.19% | 16.54% | 16.85% | 17.77% | 17.57% | 16.96% | +42 bps | |
| Net Worth / Assets | 16.33% | 16.02% | 16.19% | 16.54% | 16.85% | 17.77% | 17.57% | 16.96% | +42 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 76.73% | 75.72% | 74.17% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |