PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Ten

Nashville, TN · Charter 66886

NCUA · 7 branches

Q2 2026

$392.0MAssets
$236.6MLoans
$337.2MShares
$33.8MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.15%, up 4 bps year over year; NIM at 3.22%.
  • Asset quality: problem loans at 0.21% of loans (-6 bps YoY).
  • Capital: net worth / assets of 8.63%, up 47 bps from a year ago.
  • Funding: loans stand at 70.17% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.15%+4 bps YoY

Net Interest Margin (YTD, annualized)

3.22%+32 bps YoY

Efficiency Ratio (YTD, annualized)

91.95%+119 bps YoY

Net Worth / Assets

8.63%+47 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.11%0.19%0.30%0.12%0.15%+4 bps
Return on Equity1.39%2.26%3.60%1.41%1.78%+39 bps
Net Interest Margin2.89%2.96%2.99%3.17%3.22%+32 bps
Efficiency Ratio90.76%88.53%86.21%92.20%91.95%+119 bps
Growth
Asset Growth (YoY)-4.75%-4.05%-1.01%-1.64%-2.20%+254 bps
Loan Growth (YoY)-11.68%-5.88%-3.12%-1.29%-0.58%+1,110 bps
Share Growth (YoY)-6.86%-9.59%-6.36%-6.94%-4.67%+219 bps
Asset Quality
Delinquent Loans / Loans0.27%0.46%0.24%0.14%0.21%-6 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital8.16%8.35%8.39%8.53%8.63%+47 bps
Net Worth / Assets8.16%8.35%8.39%8.53%8.63%+47 bps
Liquidity & Funding
Loans / Shares67.28%71.10%69.50%69.63%70.17%+289 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps