Nashville, TN · Charter 66886
NCUA · 7 branches
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 | -0.27% | 0.26% | 0.06% | 0.11% | 0.19% | 0.30% | 0.12% | 0.15% | +4 bps | |
| Return on Equity | -3.65% | 3.19% | 0.68% | 1.39% | 2.26% | 3.60% | 1.41% | 1.78% | +39 bps | |
| Net Interest Margin | 2.84% | 2.85% | 2.83% | 2.89% | 2.96% | 2.99% | 3.17% | 3.22% | +32 bps | |
| Efficiency Ratio | 97.83% | 85.04% | 88.86% | 90.76% | 88.53% | 86.21% | 92.20% | 91.95% | +119 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.81% | -6.33% | -4.66% | -4.75% | -4.05% | -1.01% | -1.64% | -2.20% | +254 bps | |
| Loan Growth (YoY) | -7.49% | -8.66% | -8.12% | -11.68% | -5.88% | -3.12% | -1.29% | -0.58% | +1,110 bps | |
| Share Growth (YoY) | -5.55% | -7.01% | -5.44% | -6.86% | -9.59% | -6.36% | -6.94% | -4.67% | +219 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.43% | 0.38% | 0.16% | 0.27% | 0.46% | 0.24% | 0.14% | 0.21% | -6 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 | 7.46% | 8.05% | 8.11% | 8.16% | 8.35% | 8.39% | 8.53% | 8.63% | +47 bps | |
| Net Worth / Assets | 7.46% | 8.05% | 8.11% | 8.16% | 8.35% | 8.39% | 8.53% | 8.63% | +47 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 68.30% | 67.17% | 65.64% | 67.28% | 71.10% | 69.50% | 69.63% | 70.17% | +289 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |