Knoxville, TN · Charter 67185
NCUA · 3 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.01% | 1.11% | 0.63% | 1.26% | 1.31% | +30 bps | |
| Return on Equity | 6.59% | 7.09% | 3.96% | 7.76% | 7.98% | +139 bps | |
| Net Interest Margin | 3.86% | 3.99% | 4.12% | 4.09% | 4.07% | +21 bps | |
| Efficiency Ratio | 74.26% | 72.87% | 83.18% | 72.03% | 72.09% | -217 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.28% | 1.78% | 0.08% | -2.62% | -2.19% | -447 bps | |
| Loan Growth (YoY) | -6.80% | -5.54% | -3.57% | -2.55% | -3.01% | +379 bps | |
| Share Growth (YoY) | 1.44% | 0.69% | -0.74% | -3.80% | -3.41% | -485 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.90% | 0.78% | 0.92% | 0.68% | 1.02% | +12 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 15.31% | 15.67% | 15.82% | 16.22% | 16.41% | +111 bps | |
| Net Worth / Assets | 15.31% | 15.67% | 15.82% | 16.22% | 16.41% | +111 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 48.41% | 48.29% | 49.38% | 49.21% | 48.61% | +20 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |