Elizabethton, TN · Charter 67021
NCUA · 4 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 | 1.31% | 1.22% | 1.13% | 1.17% | 1.28% | 1.28% | 1.19% | 1.13% | -3 bps | |
| Return on Equity | 8.16% | 7.65% | 7.18% | 7.22% | 7.68% | 7.52% | 7.07% | 6.78% | -44 bps | |
| Net Interest Margin | 2.87% | 2.82% | 2.87% | 2.95% | 3.06% | 3.12% | 3.23% | 3.26% | +30 bps | |
| Efficiency Ratio | 67.43% | 68.21% | 69.63% | 69.40% | 68.09% | 68.83% | 71.70% | 71.47% | +207 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.06% | 1.80% | 4.24% | 3.98% | 3.91% | 1.69% | 1.18% | 4.40% | +42 bps | |
| Loan Growth (YoY) | 7.59% | 4.21% | 3.79% | 5.70% | 7.56% | 8.64% | 10.55% | 10.88% | +518 bps | |
| Share Growth (YoY) | -1.57% | 1.92% | 4.78% | 3.14% | 2.77% | 1.99% | -0.27% | 4.71% | +157 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.35% | 0.88% | 0.51% | 0.49% | 0.51% | 1.05% | 1.42% | 1.64% | +115 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 | 16.03% | 15.96% | 15.80% | 16.14% | 16.65% | 16.97% | 16.88% | 16.68% | +54 bps | |
| Net Worth / Assets | 16.03% | 15.96% | 15.80% | 16.14% | 16.65% | 16.97% | 16.88% | 16.68% | +54 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 60.13% | 59.33% | 57.07% | 59.61% | 62.93% | 63.19% | 63.26% | 63.12% | +351 bps | |
| Liquid Assets / Assets | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 99.44% | -56 bps | |