Chattanooga, TN · Charter 66980
NCUA · 2 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 | -0.55% | -0.47% | -0.27% | -0.60% | -0.47% | -0.54% | -0.52% | -0.69% | -8 bps | |
| Return on Equity | -4.84% | -4.25% | -2.42% | -5.43% | -4.02% | -4.63% | -4.40% | -5.82% | -39 bps | |
| Net Interest Margin | 2.53% | 2.50% | 2.68% | 2.78% | 2.90% | 2.96% | 3.01% | 3.03% | +25 bps | |
| Efficiency Ratio | 113.70% | 107.44% | 97.03% | 109.26% | 107.55% | 109.72% | 107.59% | 109.78% | +52 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.35% | -1.26% | -1.30% | -4.37% | -5.75% | -9.73% | -12.27% | -10.10% | -572 bps | |
| Loan Growth (YoY) | 1.18% | -4.68% | -3.63% | -9.78% | -14.67% | -10.77% | -12.64% | -7.39% | +239 bps | |
| Share Growth (YoY) | -3.33% | -0.87% | -0.92% | -4.23% | -6.67% | -10.39% | -13.15% | -10.82% | -659 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.46% | 1.67% | 2.07% | 2.11% | 2.78% | 2.68% | 1.55% | 3.48% | +136 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 | 11.38% | 11.10% | 11.00% | 11.13% | 11.65% | 11.75% | 11.93% | 11.81% | +68 bps | |
| Net Worth / Assets | 11.38% | 11.10% | 11.00% | 11.13% | 11.65% | 11.75% | 11.93% | 11.81% | +68 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 49.80% | 46.03% | 45.24% | 44.25% | 45.53% | 45.83% | 45.50% | 45.95% | +170 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |